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Superannuation:




   

Superannuation:
 
Those people who have been working in Australia are aware of superannuation. In accordance with the government legislation, the employer is required an amount equivalent to 9% of the earning of the employee to be credited to the account which is specifically opened for employee's superannuation fund. Employee can also contribute with his own money toward his superannuation and contribute as well on behalf of his partner who has no income or low income. Employee has no right to have access to the fund. The fund
can be accessed lump sum or otherwise be managed in other ways once he attained retirement age.
 
This kind of fund existed once in Burma. It had been when Burma was under British and under prime minister U Nu government. Under British there had been legislation in relation to this kind of fund. This fund is called provident fund. Provident fund was given a specific term in Burmese as 'fund for old age'. Most people did not remember this glossary of
' fund for old age' because when prime minister U Nu government had gone the providence fund had gone along with it. Some people have no idea of it. I was aware
of this glossary when I attended law school.
 
This provident fund is relatively similar to superannuation which is currently in force in Australia. Some people did not recollect 'fund for old age' and hence often had mistaken with full service retirement pension. It is not. It is not a salary to be paid during retirement. In Burma, a government worker can get full service retirement pension when he completed 30 years in service. He is entitled to monthly pension (salary) paid by the government for the rest of his life. This salary is called full service retirement pension (salary). It is different from provident fund.
 
Australian Labour Party had initiated superannuation bill and enacted into a law and superannuation is regarded as a saving which would allow self reliance and security for
the employee when he gets older and unable to work.
 
The company in which superannuation fund has been opened uses the fund in investments for the benefit of the account holders in various strategies of which the most popular one
is share market. The fund also contributes toward premiums for life insurance, total and permanent disablement and income protection for the beneficiary, the employee.
 
Superannuation is provident fund, not full service retirement pension.


















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