The upshot is that most Australian workers, over 8m in total, now have a private nest-egg fortheir old age. No tax is paid when members withdraw from their fund; they can take all theywant as a lump sum, subject to a limit, or buy an annuity. Aussies are now a nation ofcapitalists.
其结果是,大多数澳洲就业者,总数超过800万人,现在人人都有个人储备帐户为他们老有所依。当他们提取养老基金款项时不用缴税;他们可以按限额一次提取,也可以按年份提取。澳洲人现在人人都俨然一个资本家。
At the same time the state pension system, andtherefore the taxpayer, is being progressivelyrelieved of most of the burden of retirementprovision, since eligibility for the state pensiondepends on both assets and income. As supers takeover, the provision for old folks incomes will bealmost entirely based on defined contributions, notdefined benefits. So Australia is in the happyposition of not having to worry too much about thepension implications of an ageing population,though it may have a problem for six or seven yearsafter 2014 when the post-war baby-boomers stop work with supers only half filled.
与此同时,养老基金制度正在逐步减轻政府对退休保障的负担,因为养老金同时取决于资产和收入二项,因此纳税人不用为日益增多的退休人群所带来的社会负担感到担忧。由于养老基金将负责支出这部分开支,老年人群将从中获取保障,此项养老基金将取决于个人历史贡献,而不是直接界定收益。因此,澳大利亚人应该高兴,他们不必担心人口老龄化所带的养老问题。虽然在2014年后可能因战后婴儿潮的影响,预计有六七年时间内,养老基金只能补充一半的养老金需求。
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