Shadowing Practice: Superannuation Explained - What Every Worker in Australia Must Know | Learn Australian English - Learn English Speaking with Video
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196 משפטים
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Liz, I just got my first payslip in Australia.
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And I am confused.
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It says my salary is one amount, but the money in my bank account is less than I expected.
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And then there is this separate line at the bottom that says, super, 12%.
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Where is that money going?
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Jack, that money is not lost.
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That money is yours.
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It is going somewhere very specific.
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And when you understand what it is, you will actually be really glad it exists.
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So my employer is just.. keeping it?
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No, your employer is putting it aside for your future.
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It is called superannuation and it is one of the most important financial systems in Australia.
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Get it right.
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And it could be worth hundreds of thousands of dollars by the time you retire.
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Hundreds of thousands?
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Hundreds of thousands.
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And most people, especially new workers, never think about it until it is too late.
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So today, we are going to make sure that is not you.
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And we are going to tell you about the super mistake that costs Australians billions of dollars every single year.
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Billions with a B.
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We will get to that in segment three.
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Do not go anywhere.
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Hi everyone, I'm Liz and welcome to Learn Australian English.
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Today we are covering a topic that affects every single person who works in Australia, superannuation, or as Australians call it, super.
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And I'm Jack.
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Now, this episode is about money, but it is also about language, because superannuation has its own vocabulary,
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its own system, and its own rules.
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And if you do not understand the words, you cannot understand the system.
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So, we are teaching you both today.
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Whether you are brand new to Australia, already working here, or thinking about moving here for work,
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this episode could genuinely be one of the most financially important things you watch.
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Stay with us all the way to the end, because the information in segment four is something most people in Australia do not know about,
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and it could affect you directly.
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Let's start at the very beginning.
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What is superannuation?
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Superannuation, or super, is Australia's compulsory retirement savings system.
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The word comes from the Latin word meaning over and beyond, because it is designed to provide for you over and beyond your working years.
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In simple terms, every time you get paid, your employer must put an extra percentage of your salary into a special savings account on your behalf.
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This account is called your super fund, and that money sits there, growing over time, until you retire.
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The amount your employer must contribute is set by the government and is called the super annuation guarantee, or the SG rate.
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As of 1st July 2026, the SG rate is 12%.
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This means if you earn $1,000 in a pay period, your employer must put an additional $120 into your super fund.
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This is on top of your salary, not taken from it.
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Wait, so it is extra money?
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It is not coming out of my pay?
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Correct.
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The superannuation guarantee is an employer obligation, an additional cost on top of your salary.
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However, when you see a job advertised and it says the salary is,
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for example, $70,000 plus super, that means the salary is $70,000 and super is paid on top.
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If a job says $70,000 inclusive of super, that means your actual take home will be less because the super comes out of the total package.
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Always check which one applies to your job offer.
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That is a really important distinction.
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So plus super means more money.
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Inclusive of super means the super comes from inside the total.
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Got it?
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Exactly.
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And the money in your super fund is invested.
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It goes into things like shares, property and bonds.
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So it grows over time.
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The longer it sits there, the more it grows.
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This is called compound interest.
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Your money earns returns, and those returns also earn returns.
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Over a working lifetime, the effect is extraordinary.
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Now, here is something that surprises most new workers in Australia.
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You actually get to choose which super fund your money goes into.
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It is not decided for you.
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And that choice matters a lot more than most people realise.
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Here is why.
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There are hundreds of super funds in Australia, but they fall into a few main categories.
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The first is industry super funds.
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These are run to benefit members, not to make a profit for shareholders.
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They were originally set up for specific industries, like construction or healthcare.
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But most are now open to anyone.
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Examples include Australian Super, Host Plus and Aware Super.
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The second type is Retail Super Funds.
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These are run by financial institutions like banks and investment companies.
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They often have more investment options and features, but they can also charge higher fees.
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The word fee here means the cost the fund charges you for managing your money.
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The third type, for the financially adventurous, is a self-managed super fund or SMSF.
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This is where you manage and invest your own super money yourself.
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It comes with much more control, but also much more responsibility and legal obligation.
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It is generally only worth considering if you have a significant amount of super already.
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So, how do you choose?
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What should you look for?
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Three things.
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Fees.
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Lower fees mean more of your money stays invested and growing.
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Investment performance.
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How well has the fund grown members' money over the past five and ten years? And insurance.
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Most super funds automatically include life insurance, income protection insurance, and total and permanent disability insurance.
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The level of cover varies between funds.
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The Australian government has a website called ATO, the Australian tax office, and a comparison tool called Your Super,
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which lets you compare funds side by side.
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It is free and genuinely useful.
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And a very important phrase to know, if you start a new job and you do not choose a super fund, your employer will put your super into what is called a default fund.
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A default fund is the fund your employer has nominated.
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It may or may not be the best option for you.
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You always have the right to choose your own.
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OK.
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I promised you the mistake that costs Australians billions of dollars every year.
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Here it is.
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It is called Lost Super.
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And it might be happening to you right now.
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Lost super?
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What does that mean?
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When you change jobs, which most Australians do multiple times across their career, some people accidentally end up with multiple super accounts.
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One from their first job.
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One from their second.
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One from a casual job in their twenties.
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Each account charges its own fees.
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Each has its own insurance premiums.
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And over time, those fees eat away at the balance until the account shrinks to almost nothing.
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This is called lost super.
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And the Australian Tax Office estimates there is over $17 billion in lost and unclaimed super sitting forgotten in accounts across Australia.
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$17 billion sitting there unclaimed?
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$17 billion.
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You can check if any of it is yours by logging into myGov, Australia's government online portal, and linking your ATO account.
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It will show you every super account ever opened in your name.
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If you have multiple accounts, you can consolidate them.
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That means merge them all into one.
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One account.
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One set of fees.
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One growing balance.
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That is genuinely important.
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Now, apart from your employer contributions, is there anything you can do yourself to grow your super faster?
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Yes.
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And this is called salary sacrifice.
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Salary sacrifice means you voluntarily put extra money from your own pay into your super before tax is calculated.
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This is a tax advantage because super contributions are taxed at only 15%,
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which for most working Australians is lower than their regular income tax rate.
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So by salary sacrificing, you pay less tax and grow your super at the same time.
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And what about insurance?
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You mentioned that super funds include insurance.
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Most super funds automatically include three types of insurance.
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Life insurance, which pays a benefit to your family if you die.
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Total and Permanent Disability Insurance, or TPD, which pays a lump sum if you become permanently unable to work.
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And Income Protection Insurance, which pays a regular income if you are temporarily unable to work due to illness or injury.
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This insurance is generally cheaper through your super fund than buying it privately.
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And the premiums come out of your super balance automatically.
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So your super is actually doing several jobs at once.
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Saving for retirement and providing insurance protection.
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Exactly.
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It is one of the most comprehensive financial systems in the world.
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Which is why understanding it matters so much.
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Now the most common question.
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When can I actually access my super?
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The general rule is that you can access your super when you reach your preservation age and retire.
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The preservation age is currently 60 for most Australians.
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After age 60, if you have retired, you can access your super tax-free.
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Tax-free?
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Meaning you do not pay any tax on the money when you take it out?
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Correct.
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After age 60 and retirement, your super withdrawals are completely tax-free.
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You can take it as a lump sum, all at once, or as a regular pension payment.
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A pension here means a regular income paid to you from your super fund during retirement.
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What about special circumstances?
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Are there situations where you can access super before retirement?
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Yes, there are a few.
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Under severe financial hardship, for certain medical conditions.
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And there is also the First Home Super Saver Scheme, or the FHSS.
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This allows first home buyers to make voluntary contributions into their super and then withdraw them,
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along with associated earnings, to use as part of their home deposit.
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It is a government incentive to help people save for their first home using the tax advantages of super.
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And now, the information I think a lot of viewers have been waiting for.
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happens to your super if you are on a temporary visa and you leave Australia permanently.
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This is incredibly important for anyone on a working holiday visa, student visa or temporary skilled visa.
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If you leave Australia permanently and your visa has expired or been cancelled,
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you can claim your super back through what is called a Departing Australia Superannuation payment or DASP.
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You apply online through the ATO after leaving Australia.
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The payment will have a withholding tax applied, meaning the government takes a portion, but you receive the rest.
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Do not leave Australia without knowing this exists.
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So if you worked in Australia on a visa, your super does not just disappear when you leave.
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You can claim it back.
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You can claim it back.
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And many people simply do not know this and leave thousands of dollars behind.
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Tell everyone you know about this.
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Let's bring it all together.
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Super is your compulsory retirement savings.
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Your employer must contribute 12% of your earnings on top of your salary.
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You choose which super fund it goes into.
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Look at fees, investment performance and insurance.
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Click MyGov for lost super and consolidate any old accounts.
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Consider salary sacrifice to grow your super and reduce your tax.
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And understand your access rules, generally from age 60 at retirement, tax free.
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And if you are on a temporary visa and planning to leave Australia, claim your super back through a DASP application on the ATO website.
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Do not leave that money in Australia.
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This episode has given you the language and the knowledge to take your super seriously from day one.
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And that knowledge is genuinely worth a lot of money over the course of your working life.
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How did you find this episode?
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Was it helpful and informative?
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Are there any other specific topics you would like us to cover?
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Drop it in the comments below.
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And remember, please like and subscribe to this channel.
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We regularly cover everything you need to know about life, work and language in Australia.
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Take care of your super.
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Your future self will thank you.
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אוצר מילים והערות הגייה לשיעור הזה
שיעור הדיבור הזה ברמה B2 מבוסס על הסרטון “Superannuation Explained - What Every Worker in Australia Must Know”. המילים שחוזרות הכי הרבה: super, fund, Australia, insurance, tax. בסרטון הזה יש 196 משפטים ו-2016 מילים לתרגול Shadowing. הדיבור נמשך 14:38. הדובר שומר על קצב יציב של כ-138 מילים בדקה, קצב נוח לתרגול Shadowing. 87% מהמילים נמצאות בין 3,000 המילים הנפוצות ביותר באנגלית, כך שקל לעקוב אחרי אוצר המילים.
אוצר מילים מרכזי בסרטון הזה
15 המילים המתקדמות ביותר בסרטון, עם ההגייה והמשמעות שלהן:
| מילה | הגייה | משמעות |
|---|---|---|
| visa שם עצם | /ˈviːzə/ | וִיזָה, אֲשֵׁרָה |
| retire פועל | /ɹəˈtaɪɹ/ | פרש |
| consolidate פועל | /kənˈsɒl.ɪ.deɪt/ | גִּבֵּשׁ /גיבש |
| compulsory שם תואר | /kəmˈpʌlsəɹi/ | חובה |
| lump שם עצם | /lʌmp/ | גוש |
| adventurous שם תואר | /ædˈvɛn.t͡ʃɚ.əs/ | הרפתקני |
| shareholder שם עצם | /ˈʃɛəˌhəʊl.də(ɹ)/ | בַּעַל מְנָיוֹת |
| circumstance שם עצם | /ˈsɝ.kəmˌstæns/ | נסיבות |
| advertise פועל | /ˈædvɚˌtaɪ̯z/ | פרסם |
| merge פועל | /mɝd͡ʒ/ | מיזג, מירג׳ג׳ |
| viewer שם עצם | /ˈvju.ɚ/ | צוֹפֶה |
| vocabulary שם עצם | /vəˈkæb.jə.lə.ɹi/ | אוֹצַר מִלִּים |
| calculate פועל | /ˈkælkjʊleɪt/ | חישב \ חִשֵּׁב |
| incentive שם עצם | /ɪnˈsɛntɪv/ | תמריץ |
| subscribe פועל | /səbˈskɹaɪb/ | נִמְנָה |
משפטים שכדאי לחזור עליהם
משפטים קצרים ושלמים מהסרטון שאפשר להשתמש בהם בשיחה יומיומית:
- Let's start at the very beginning.
- It is not coming out of my pay?
- What should you look for?
- When can I actually access my super?
- How did you find this episode?
דקדוק בסרטון הזה
המבנים שהדובר משתמש בהם הכי הרבה, עם המילים המדויקות מהסרטון:
| מבנה | בסרטון |
|---|---|
| סביל (Passive voice) be + past participle — הדגש הוא על מה שקורה, לא על מי שעושה את הפעולה | is not lost · is called · is designed |
| הווה מושלם (Present perfect) have/has + past participle — פעולה שקרתה בעבר ועדיין יש לה חשיבות או השפעה עכשיו | has nominated · have retired · has expired |
הגייה ששווה לשים לב אליה
- הצלילים של “th”: withhold /wɪθˈhoʊld/, withdrawal /wɪðˈdɹɔ(ə)l/, withdraw /wɪðˈdɹɔ/
- הצלילים של “sh” ו-“zh”: superannuation /ˈs(j)ʉːpəˌɹænjʉːˈæɪʃn̩/, preservation /ˌpɹɛz.əˈveɪ.ʃən/, obligation /ˌɑ.blɪˈɡeɪ.ʃn̩/, hardship /ˈhɑɹdˌʃɪp/, shareholder /ˈʃɛəˌhəʊl.də(ɹ)/
- מילים ארוכות — שימו לב להטעמה: genuinely /ˈd͡ʒɛn.ju.ɪn.li/, permanently /ˈpɜː.mə.nənt.li/, consolidate /kənˈsɒl.ɪ.deɪt/, compulsory /kəmˈpʌlsəɹi/, preservation /ˌpɹɛz.əˈveɪ.ʃən/
צלילים שדוברי עברית מתקשים בהם:
- /w/ — שפתיים מעוגלות, לא /v/: withhold /wɪθˈhoʊld/, withdrawal /wɪðˈdɹɔ(ə)l/, withdraw /wɪðˈdɹɔ/
- /æ/ — פתוח יותר מה-“אֶ” העברית, לא כמו “a” ב-“cup”: superannuation /ˈs(j)ʉːpəˌɹænjʉːˈæɪʃn̩/, adventurous /ædˈvɛn.t͡ʃɚ.əs/, circumstance /ˈsɝ.kəmˌstæns/, advertise /ˈædvɚˌtaɪ̯z/, vocabulary /vəˈkæb.jə.lə.ɹi/
- /r/ — הלשון לא נוגעת בשום מקום, לא ה-“ר” הגרונית: superannuation /ˈs(j)ʉːpəˌɹænjʉːˈæɪʃn̩/, retire /ɹəˈtaɪɹ/, compulsory /kəmˈpʌlsəɹi/, preservation /ˌpɹɛz.əˈveɪ.ʃən/, expire /ɪkˈspaɪə(ɹ)/
איך לתרגל עם הסרטון הזה
- הקשיבו לכל הסרטון פעם אחת בלי לדבר, ורשמו את המילים שאתם לא מכירים.
- תרגלו Shadowing משפט אחר משפט במהירות רגילה, וחזרו על כל משפט עד שהקצב שלכם תואם את הדובר.
- הקליטו את עצמכם והשוו למקור, תוך תשומת לב למילים כמו visa, retire, consolidate.
מהי טכניקת השאדואינג?
שאדואינג היא טכניקת למידת שפה מבוססת מדע שפותחה במקור להכשרת מתורגמנים מקצועיים ופופולרית על ידי הפוליגלוט ד"ר אלכסנדר ארגואלס. השיטה פשוטה אך עוצמתית: אתה מקשיב לאודיו באנגלית ילידית וחוזר עליו בקול רם מיד — כמו צל העוקב אחרי הדובר עם עיכוב של 1–2 שניות בלבד. בניגוד להאזנה פסיבית או תרגילי דקדוק, שאדואינג מכריח את המוח והשרירים בפה לעבד ולשחזר דפוסי דיבור אמיתיים בו זמנית. מחקרים מראים שזה משפר משמעותית את דיוק ההגייה, האינטונציה, הקצב, הדיבור המחובר, הבנת השמיעה ושטף הדיבור — מה שהופך אותו לאחת השיטות היעילות ביותר להכנה לIELTS Speaking ולתקשורת באנגלית בעולם האמיתי.