Superannuation (wu super-ny) rrupiya ngunhiyi li invested fund-lil marrka dhu provide nhungu retirement-gu.
Most-guny, nhokal employer-y li ngurruyirryun paying-gu super-w nhungu. Nhe balang wiripuny pay bulu nhokal super-lil nhepin yan marrka-dhu bulun nhungu rrupiya balanymirriy nhe-dhu retire-ny.
Most cases-ngur dja, bayngu nhe-dhu access nhungu super yan bili nhe-dhu reitre-n yurr important-dja nhe dhuka keep track ngurukiyi.
Compulsory super nhokal employer-wung
Most-dhuny li marram compulsory super contributions nhanukal employer-wung yaku super guarantee.
Minimum amount ga ngorra nhayi balang nhokal employer-y contribute, based-dja nhokal pay-lil. Nhe mak balang djarryurr nha-lil fund-lil nhungu balang super gi garri.
Nhe balang bulu malngmarang dhiyakuwuy limurrunggal websitengur dhiyal Super employer-wung.
Media: Yolngu Matha – 01. Super Individuals-gu mala (Super for individuals)
https://tv.ato.gov.au/ato-tv/media?v=bd1bdiurzajjk4External Link (Duration: 0:55)
Paying balang bulu nhepin yan
Nhe balang djarryurr nhe balang nhungu own rrupiya wulangdhurr nhokal super-lil marrka nhungu dhu bulun rrupiya balanyamirriy nhe dhu retire – dhuwandja yaku making personal contributions.
Bengur 1 July 2017-ngur, most-dja ngunhiyi ngayi under 75-mirr dhunggarra mirr claim balang tax deduction walalang personal super contribution-gu.
Ngunhiyi nhe low income-ngur, mak balang nhe wirpuny eligible government contributions-gu. Yaka nhungu need apply-gu government contributions-gu. Ngunhiyi nhe eligible ga nhungu fund-dhuny ga ngayathaman nhungu tax file number (TFN), limurr dhu pay ngunhiyi nhokal account-lil automatically-n yan.
Amount-dja tax nhokal contributions-ngur dja depend-li wanha ngunhiyi contributions concessional (sometimes li referred to nhakun ‘before tax’) wu non-concessional (sometimes-li referred to nhakun ‘after tax’), ga wanha nhe djulkmarangal contribution caps.
Bulu balang nhe malngmarang dhiyakuwuy dhiyal:
Media: Yolngu Matha – 02. Super Individuals-gu mala (Super for individuals)
https://tv.ato.gov.au/ato-tv/media?v=bd1bdiurzajke5External Link (Duration: 1:08)
Keeping track nhungu super-w
Ngunhiyi nhe ngula djambi yaku, address wu djama, mak nhe lost track some-gu nhungu super-w. Ngayatham dhuka ngulanhamunha super-w accounts dja mayali fees ga charges-dhuny dhuka lurrkun-guman nhungu overall super savings-dja. Ngulanhamunha dhukarr check ga manage-guny nhungu super-w dja.
Limurr balang larrung warrpam-gu super-w accounts-gu mala nhungu – ringimap limurrung dhipal 13 10 30. Wu nhepin balang larrung ngunhiyi nhungu myGov account linked ATO-wal.
Ngunhiyi nhungu ngulanhamunha super-puy accounts, nhe balang wanggany manapula wanggany-lil preferred account-lil. Nhe balang biyak online wiripuny.
Bulu malngmarang limurrunggal website-ngur dhiyal Check nhungu super.
Accessing-gu nhungu super-w
Nhe balang marrang access nhokal super savings-lil balanyamirriy nhe dhu retire-ny wu bilyun 65 dhirra dhunggarra.
Nhe balang yan earlier access-dja marrang nhokal super-lil dja some special cases-dhun, nhakun serious medical condition, severe financial hardship wu first home super saver scheme-dhun.
Bulu malngmarang accessing-gu nhungu super-w limurrunggal website-ngur dhiyal:
Media: Yolngu Matha – 03. Super Individuals-gu mala (Super for individuals)
https://tv.ato.gov.au/ato-tv/media?v=bd1bdiurzajmx6External Link (Duration: 1:10)