Superannuation is retirement money — a pension, especially the kind connected with a job. Both you and your employer put money in while you are working, and after you retire that money is paid back to you to live on.

Superannuation is retirement moneysuperannuation 是退休金 — a pension, especially the kind connected with a job尤其是跟工作連結的那種年金。 Both you and your employer put money in while you are working工作期間你和雇主都會把錢存進去， and after you retire that money is paid back to you to live on退休後這筆錢再發還給你當生活費。

The word is formal and belongs to official English: contracts, payslips, tax forms, government letters. It is used in Britain, but it is above all the everyday Australian and New Zealand word, where people shorten it to 'super' and use it constantly — 'How much super have you got?', 'my super fund', 'they pay super on top of your wage'. In American English almost nobody says it; there it is a 401(k), a pension, or a retirement plan.

The word is formal and belongs to official English這個字很正式，屬於公文英文： contracts, payslips, tax forms, government letters合約、薪資單、報稅表、政府信件。 It is used in Britain英國也用這個字， but it is above all the everyday Australian and New Zealand word但它主要是澳洲和紐西蘭的日常用字， where people shorten it to 'super' and use it constantly當地人簡稱它 super，用得很頻繁 — 'How much super have you got?'「How much super have you got?」（你有多少退休金？）， 'my super fund'「my super fund」（我的退休基金）， 'they pay super on top of your wage'「they pay super on top of your wage」（他們在薪水之外還會付退休金）。 In American English almost nobody says it在美式英文裡幾乎沒人這樣說； there it is a 401(k), a pension, or a retirement plan在那邊講的是 401(k)、pension 或 retirement plan。

The word can mean the system, the regular payments going in, or the sum of money itself, and the meaning is usually clear from the sentence. It is uncountable: superannuation, not 'a superannuation' and not 'superannuations'.

The word can mean the system這個字可以指整套制度， the regular payments going in也可以指定期存入的款項， or the sum of money itself或是那一整筆錢本身， and the meaning is usually clear from the sentence從句子通常就能看出是哪個意思。 It is uncountable它是不可數名詞： superannuation, not 'a superannuation' and not 'superannuations'只說 superannuation，不會說「a superannuation」，也不會說「superannuations」。

If you ever work for an Australian company, this is the word on your payslip, so it is worth knowing even though it looks long and rare.

If you ever work for an Australian company如果你以後在澳洲公司上班， this is the word on your payslip薪資單上就會看到這個字， so it is worth knowing even though it looks long and rare所以雖然它看起來又長又少見，還是值得認識。