澳洲為新的「發薪日退休金」薪資改革做準備
Australia prepares for new 'payday super' payroll reform
Updated at: June 21, 2026 at 04:15 AM
澳洲準備透過引入「發薪日退休金」（Payday Super）制度，來改變其退休儲蓄格局。
Australia is set to transform its retirement savings landscape with the introduction of 'Payday Super.'
目前，雇主僅需每三個月支付一次退休金保證（SG）提撥。
Currently, employers only need to pay Superannuation Guarantee (SG) contributions every three months.
自2026年7月1日起，這項規定將改為以「發薪週期」為基礎，要求雇主在發放薪資後的七個營業日內，將退休金匯入員工帳戶。
Starting 1 July 2026, this will shift to a 'pay-cycle' basis, requiring employers to transfer contributions into employee funds within seven business days of paying wages.
這項重大的改革旨在彌補目前影響數百萬勞工、高達50億美元的「退休金缺口」——即未付或少付的退休金金額。
This significant reform aims to close the $5 billion 'super gap'—the amount of unpaid or underpaid superannuation currently affecting millions of workers.
透過強制要求更頻繁的提撥，政府希望能利用複利回報的力量，最終為員工帶來更高的退休餘額。
By mandating more frequent contributions, the government hopes to harness the power of compounding returns, ultimately leading to higher retirement balances for employees.
澳洲稅務局將使用「單一觸控薪資」（Single Touch Payroll）數據來近乎即時地監控合規性，協助保護勞工免受工資竊取和雇主無力償債的風險。
The Australian Taxation Office will use Single Touch Payroll data to monitor compliance in near real-time, helping to protect workers from wage theft and the risks of employer insolvency.
儘管小型企業主對現金流和系統升級的需求提出了擔憂，但這項改革被廣泛視為性別平權的一大勝利。
While small business owners have raised concerns regarding cash flow and the need for system upgrades, the reform is widely seen as a major victory for gender equity.
由於女性經常經歷職業中斷，她們更容易受到錯過退休金提撥的影響。
Because women often experience career breaks, they are disproportionately impacted by missed super payments.
