Restricted non-preserved
Spanish translation: Restringida pero no preservada
| 10:49 Feb 2, 2013 |
| English to Spanish translations [PRO] Bus/Financial - Investment / Securities / Pension Statement/document | |||||||
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|  Selected response from: agso Spain Local time: 09:42 | ||||||
Grading comment
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| Summary of answers provided | ||||
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| 4 | Restringida pero no preservada |
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| Findings |
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Answers
2 days 7 hrs confidence: 
| restricted non-preserved Restringida pero no preservada Explanation: Para este tipo de instrumento, el acceso está restringido (es decir, el titular debe pagar penalidades si desea acceder al capital antes de plazo), pero en este caso el capital no ha sido preservado de todos modos. |
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Notes to answerer
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Reference comments
15 hrs |
| Reference: Findings Reference information: Preserved, Restricted Non-preserved and Unrestricted Non-Preserved benefits Access to superannuation benefits depends on the preservation classification. Under superannuation law, a benefit may be made up of one or more of the following preservation components: [...] Restricted Non-preserved amounts Restricted non-preserved amounts could only have been accrued by you if you had super arrangements in place prior to 1 July 1999. Restricted non-preserved benefits generally included non-preserved employer contributions (such as voluntary employer contributions and salary sacrifice amounts) and personal after-tax (undeducted) contributions made before 1 July 1999 to an employer-sponsored arrangement. As with preserved benefits, restricted non-preserved amounts may only be accessed when you meet certain conditions of release http://www.mlc.com.au/resources/MLC/Marketing/Static Files/p... Restricted Non-preserved Benefit You cannot usually withdraw any superannuation which is restricted non-preserved (see below for more information). This is the least common type of benefit. When new superannuation rules came into effect on 1 July 1999, you may have ended up with a restricted non-preserved benefit. • If you do not have any superannuation which is restricted non-preserved now, then you will never have any. • If you do have superannuation which is restricted non-preserved, then the amount of your restricted non-preserved benefit can either stay the same or decrease, but it cannot increase. As this benefit is non-preserved, you may be able to access this benefit before you reach preservation age. For example, if you stop working for an employer who has contributed to your superannuation fund, then you are able to access your restricted non-preserved benefit. http://www.moneyguidance.com.au/unrestricted-non-preserved |
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