Se trata de hacer aportaciones de manera voluntaria y complemenraria para tener derecho a una pensión de jubilación más alta.



The policyholder can decide which funds his/her contributions need to be invested in and in what proportion. Therefore, the returns under the policy are dependent on the investment choice made by the policyholder. The policyholder can also opt to invest top-up contributions over and above the regular contributions at any time and to switch his/her investment pattern at any time during the term of the policy. In the case of traditional life insurance, the policyholder is usually offered a guaranteed sum assured
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* El cálculo de las prestaciones se rige por un sistema de capitalización individual.
* La Base Reguladora de Prestaciones (BRP) se compone de las aportaciones de la Empresa, cotizaciones obligatorias, aportaciones voluntarias de cada mutualista y de los resultados producidos por la gestión del patrimonio.


Curtin University Sponsored Scheme and Private Superannuation

Members of the University sponsored superannuation schemes are able to salary package superannuation contributions. This option is available to those employees that are contributing 7% into the Unisuper Defined Benefit Plan/Investment Choice Plan. Members of this fund can also elect to salary package voluntary “top-up’ contributions.

Members of the Government Employees Superannuation Board (Lump sum and Pension schemes) can elect to salary package their contributions into the fund and also have the option to salary package voluntary “top-up” contributions.

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