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The industry can be categorized into three fund types - 'retail ' superannuation funds, 'not-for-profit ' superannuation funds and ' self-managed ' superannuation funds.
Since the superannuation fund returns are also gross of fees, index returns are comparable.
Compared with the actual outcomes for the superannuation portfolios, however, the random selection process uncovers some interesting features.
The findings may have important commercial and regulatory implications for the superannuation industry.
Around 85 % of superannuation assets are in superannuation funds offering investment choice.
The recent superannuation reform, based on workplace earnings, can clearly be seen as an extension of this occupational welfare model.
The majority of the informants were relatively financially secure, having both superannuation or savings and pensions.
He recommends a taxable universal pension from age 65 years, associated with increased tax on larger superannuation benefits.
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MoreManaging Your Emotions
What makes me angry?
Hva gjør meg sint?
Mostly，l hate when someone tries to make someone else feel bad.
Jeg hater når noen prøver å få andre til å føle seg dårlige.
I have to admit that once, when l was actually called names.
Jeg må innrømme at en gang, da jeg faktisk ble kalt skjellsord.
l regretted doing this afterwards, but not full heartedly because l think l was provoked in that situation.
Jeg angret på at jeg gjorde dette etterpå, men ikke helhjertet, for jeg tror jeg ble provosert i den situasjonen.
The most postive way of dealing with anger is talking about the problem.
Den mest positive måten å håndtere sinne på er å snakke om problemet.
l talk to someone who listens, or l'll write my thoughts down on paper.
Jeg snakker med noen som lytter, eller jeg skriver tankene mine ned på papir.
Learning how to deal with anger as you're growing up is so important.
Det er så viktig å lære seg å håndtere sinne når man vokser opp.
When you're younger, you might yell,or cry when you're angry, but as you get older, you're expected to handle your emotions much better.
Når du er yngre, kan du skrike eller gråte når du er sint, men etter hvert som du blir eldre, forventes det at du forventes det at du håndterer følelsene dine mye bedre.
Learning to control your emotion now will prevent you from doing something that you'll regret later on in life!
Hvis du lærer deg å kontrollere følelsene dine nå, unngår du å gjøre noe du vil angre på angrer på senere i livet!
