<blockquote rel="Nadine">@peach17: Hi! Alam mo, natutunan ko na rin super nung nag-umpisa nako mag-work. Although, I read up on it prior to coming, naramdaman ko siya nung nakita ko na payslip. Also, yung employer ko encouraged us to talk to an in-house financial adviser so we can clarify stuff.
It's like SSS, except 100x better. For as long as you are employed, may obligation ang employer to contribute minimum of 9% of your salary to YOUR savings. 9% is the lower end. Some companies reach up to 12%!
Usually, hindi kasali ang super sa pay mo talaga. Over and above your base salary. Sinasabi naman sa contract what the base is and what the guaranteed annual is. 😃
Ang super pwede natin "withdraw" if you plan to leave the country later on. Kasi pera natin to. But you will be taxed accordingly pag withdraw mo prematurely. Kung hindi naman and you stay permanently, makukuha mo as retirement savings. Sa tingin ko, kahit na mahirap din work and busy always, ok tong ganito na alam ko may pera ako later on. Ni hindi mo need mag contribute, ang employer ang mag contribute for you.
Believe it or not, the financial adviser said that kahit 2% lang ng salary natin ay mag contribute tayo sa sarili nating super.
P.S. Totally agree with @countess. </blockquote>
Thank you sis @Nadine for this sharing. 🙂
Ilang months ka na nag wwork sis?
sang area ka po sa Australia?