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Superannuation increases?

There is a move to increase the basic super contribution rate for employers on behalf of their employees, taking it from 9% to 12% (in a few increments).

The Australian Institute of Superannuation Trustees, AIST, (and others I believe) have an online petition to show the Government the concept has the support of the general population.

Do you support it?

Maybe you haven’t even thought about it so here are a couple of my ideas on the topic:

  • an extra 3% of your salary each year has to give you a better chance of financial security in retirement so who would argue with getting it?
  • we’re often told we have an aging population so I have long thought I will need my own money (super or otherwise) as there may not be much of an age pension when I retire – again, more super from an employer has to help that!
  • an extra 3% on top of employee’s salaries could easily add up for any business owner so businesses may find the concept stressful, but
    • it isn’t immediate so businesses can prepare
    • if businesses have to increase prices to meet the 3%, living expenses will have another increase
    • base salaries (for new employees) may get reduced slightly so that packages aren’t significantly higher and that again may leave people financially tight in the present

From a purely super point of view, I totally agree with moving the minimum to 12%; from an overall perspective, I’m not so sure what is best and will need to read up on the potential impact – and I’d love to hear some different opinions from business owners, too.

Personal or professional development

I remember some years ago, all employers had to provide training for all of their employees. Yes, some employers and employees didn’t take it seriously and some silly courses may have been undertaken, but I still like the concept of people constantly learning.

As an employer, training staff means they are learning and growing so will be able to their jobs better, and they will respect and value the fact that you care enough to provide such training.

Kylie at Tilda Virtual wrote about the importance of setting a training/development goal and sticking to it, and asked what our goals are in this area for 2008.

To be honest, I haven’t developed a training plan as such for myself. I am going to the Business Mums Conference in July, I read business blogs/magazines/blogs/articles when I can, and I look out at networking and other business events for ones that are relevant to me. Oh, and I am working towards my certificate IV in business (frontline management) and certificate IV in leadership support later in the year, although that has more to do with being a cub leader than a business owner!

Of course, the information I learn about each client, their business and sometimes their industry is development for me, too, but much harder to plan (who knows what industry my next new client will work in!) and not always directly transferable to other work I do.

But there has never been a rule that says business owners must provide training and development opportunities for themselves… And yet this is the group who probably has to cope with the largest number of tasks in different areas.

Kylie has me thinking now, so I will make some time to think of what skills I can and will develop this year. I know I won’t put a huge amount of time into training this year with a baby on the way, client work and family commitments!

How about you? Have you planned any personal development this year? Have you timetabled for it so it won’t slip aside when more urgent tasks arise?