Pratica di Shadowing: Superannuation Explained - What Every Worker in Australia Must Know | Learn Australian English - Impara a parlare inglese con i video
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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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Per chi è questo video?
Questo video è perfetto per chi è nuovo in Australia, lavora già lì o vuole muoversi per lavoro, e vuole migliorare la pronuncia inglese mentre impara concetti finanziari essenziali. Ideale per studenti di inglese intermedio che vogliono combinare pratica linguistica con conoscenze utili: la conversazione tra Liz e Jack è chiara, con un tono colloquiale che si presta bene al shadowing, una tecnica per imitare la pronuncia e l'intonazione.
Parole e espressioni da rubare
- Superannuation (super): Sistema obbligatorio di risparmio per la pensione in Australia. Esempio: "Il mio datore di lavoro versa il 12% in super".
- Super fund: Conto speciale dove viene depositato il super. Esempio: "Devo scegliere un super fund affidabile".
- Superannuation guarantee (SG rate): Tasso obbligatorio di contributo del datore di lavoro. Attualmente al 12%.
- Take home: Denaro che arriva sul conto bancario dopo le detrazioni. Esempio: "Il take home è meno del salario lordo".
Come migliorare la pronuncia: focus su "shadow speak"
Per imitare l'accento australiano, usa la tecnica del shadowing: ascolta un frammento del video, pausa e ripetilo immediatamente, cercando di copiare l'intonazione e la velocità. Nota come "superannuation" viene abbreviato in "super" (pronuncia: /ˈsuːpə/), con la "u" lunga e la "r" molle. Anche "payslip" (busta paga) ha una pronuncia veloce: /ˈpeɪslɪp/. Per esercitarti, usa un shadowing site che ti permetta di sincronizzare la tua voce con il video. Ricorda: la chiave è la pratica costante, specialmente con dialoghi reali come questo, per acquisire la fluidità e l'accento australiano in modo naturale. Inoltre, la conversazione tra Liz e Jack è un ottimo materiale per la pratica di conversazione in inglese: ripeti le frasi, cambia i ruoli e prova a creare scenari simili.
La grammatica di questo video
Le strutture che chi parla usa di più, con le parole esatte del video:
| Struttura | Nel video |
|---|---|
| Forma passiva be + participio passato — conta ciò che accade, non chi lo fa | is not lost · is called · is designed |
| Present perfect have/has + participio passato — un’azione passata che conta ancora adesso | has nominated · have retired · has expired |
Cos'è la tecnica dello Shadowing?
Shadowing è una tecnica di apprendimento delle lingue supportata da studi scientifici, originariamente sviluppata per la formazione dei traduttori professionisti e resa popolare dal poliglotta Dr. Alexander Arguelles. Il metodo è semplice ma potente: ascolti un audio in inglese di madrelingua e lo ripeti immediatamente ad alta voce — come un'ombra che segue il parlante con un ritardo di solo 1–2 secondi. A differenza dell'ascolto passivo o degli esercizi di grammatica, lo shadowing costringe il tuo cervello e i muscoli della bocca a elaborare e riprodurre simultaneamente i modelli di discorso reale. La ricerca dimostra che migliora significativamente la precisione della pronuncia, l'intonazione, il ritmo, il discorso connesso, la comprensione dell'ascolto e la fluidità del parlato — rendendolo uno dei metodi più efficaci per la preparazione alla prova di speaking dell'IELTS e per la comunicazione reale in inglese.