SOLUTION: Indus University Superannuation Laws in Australia Discussion

RTO: 40811
CPW 4 Business Writing (BSBWRT401)
Assessment details
CANDIDATE to complete this section
Student ID:
Trainer name:
CANDIDATE to keep a record of your own progress
(Please indicate by using S for Satisfactory and U for Unsatisfactory)
Assessment 1 – Part A
Assessment 1 – Part B
Assessment 1 – Part C
Assessment 1 – Part D
Assessment 1 – Part E
Assessment 2 – Part A
Assessment 2 – Part B
Portfolio of assessment items
(Please delete either one for
(Please enter details of
constructive feedback)
• You need to achieve a ‘Competent’ grade in ALL the assessments items to be granted a
‘Competent’ grade in the unit.
• In case you are not able to achieve a ‘Competent’ grade in any assessment task, you will
be given three (3) attempts to resubmit your assessment. Your trainer will be available to
assist you in any areas of difficulty. Please discuss the assessment with your trainer to seek
advice on how you can achieve competency in the unit.
• Where relevant, oral questions may be asked to gather more information on your
knowledge, skills and competence in the unit.

A holistic approach is used to assess your skills relevant to this qualification. The skills
are assessed across the different units offered within this qualification. Where a skill
Document name
Issue date
Nov. 2019
Review date
Reference to SNR NVR
Nov. 2021
Document control management – Uncontrolled when printed
Version no 8
Page 1 of 4
RTO: 40811
relevant to this unit is not assessed within this assessment pack, please note that the
skill will be assessed in another unit.
Submission instructions
In this assessment you will answer a number of questions and prepare the report described
below in stages. It is important that at each stage you keep a separate copy of your
progress. At the end you will collate all of the documents into one MS Word document using
section breaks as required and submit.
It is essential that your work is performed in class, and observed by the trainer.
Assessment 1
Retain separate copies of your work at each stage of development for assessment.
Prepare an individual report (1000 words) based on one of the options below to inform the
manager so that the manager can make a decision. As part of the report you will include
some data in a table and graph form. Include some information from three other online
Note: No reports will be accepted based on previous assessment topics such as moving
client server information systems to cloud service provider.
Option 1 – You choose the technology topic (trainer approved).
Prepare a report for your manager recommending the benefits of a technology. You can
choose any technology (approved by trainer) used for the benefit of the business. The
analysis will include pros and cons of the technology including the strategic benefits and
associated risks.
Option 2 – SME Business problem.
Prepare a report for your business manager. The business manager wants to implement
new Information Systems for Payroll, Supply chain management, and Ecommerce. You will
recommend to the manager off the shelf information systems to satisfy the managers
requirements. You will include two possible solutions and compare and recommend.
CPW4 Business Writing WRT401 v8 (Nov. 2019)
Page 2 of 4
RTO: 40811
Part A
Before spending considerable time at a desk (and in front of a computer), it is important to
consider your health, well-being and efficiency. In relation to sitting at a desk writing
reports, briefly list the basic procedures that you should follow for:
• Ergonomics
• Minimising over use syndrome
• Breaks
• Using software and hard ware
Part B
Now that you have established procedures for working at a desk and using software
appropriately, you are to plan for the report (select topic from option 1 & 2). You should
also address the following questions which will also form a checklist for use at the end of
this project.
What is the purpose of the document?
Why is a report the most appropriate means of communication the task above?
What are the requirements of the document?
What are the logical sequence or categories should you use in this report? Why?
What is the structure and contents of the document?
How will you review data, information and knowledge according to the structure and
contents of the document?
7. What is a style guide? Research and find a relevant style guide for a business report.
Include URL link.
Part C
Considering your responses to the questions in Part B, create a template for a document in
Microsoft word processing application and save.
• Your template should include at least six different design elements and should vary
from the default setting of the software application.
• Include header information, footer information, document version number and date.
• Note: This template will be used for your report described above (refer option 1 & 2)
Part D
Create an original initial draft report and save. Include the created table and graph.
Seek feedback from your trainer.
Describe the interpretation of your data to the trainer.
Record all feedback from your trainer in comments on the original initial draft report and
Part E
1. Create a second draft of the report and save.
2. Proof read your document and highlight (yellow) all issues (e.g. spelling, grammar, and
formatting etc.) and save.
Create a final report and save.
CPW4 Business Writing WRT401 v8 (Nov. 2019)
Page 3 of 4
RTO: 40811
Assessment 2
Part A
Answer the following questions in a word document and save.
For each email include information for the email to, from and a subject line.
1. Write an email to your manager where you have attached the final version of the report
from Assessment 1 and request feedback.
2. Assuming that your manager replies with instructions on changes. Write an appropriate
response email. Include in the response email a request for any further information that
you think you may need to complete the report.
Part B
Your trainer needs to observe you demonstrating the following essential skills in your
workplace or in a simulated environment. These skills can be observer during the
preparation of the group report.
Essential Skills
Demonstrate how you have;
• Communication skills to clarify
requirements of documents.
• Literacy skills to edit and proofread
documents; to create documents with a
complex, organised structure of linked
paragraphs which use simple and
complex syntactic structure.
• Numeracy skills to collate and present
data, graphs and annotated references.
• Problem-solving skills to use processes
flexibly and interchangeably.
Arrange for your assessor to observe you
demonstrating the skills;
• Clarify requirements of a document by
communicating with the person who
composed the document.
• Explain the processes you used to proof
read and edit your documents.
• Prepared that includes graphs, tables,
and annotated references
• Explain the processes you followed
when you were unsure of the
appropriate format, layout or distribution
method that you were required to use
for a specific document.
Submit Assessment

Keep a copy of all files to date.
Compile an assessment submission word document. Use section breaks as required
so that original formatting is maintained.
Please upload ONE only word document with all assessment items included.
Any questions?
Please ask the trainer!
CPW4 Business Writing WRT401 v8 (Nov. 2019)
Page 4 of 4
Title page
Add your name etc (see google docs)
New page
In Australia, superannuation, or just “super”, is compulsory for all people who have
worked and reside in Australia. The balance of a person’s superannuation account, or
for many people, accounts, is then used to provide an income stream when retiring.
Federal law dictates minimum amounts that employers must contribute to the super
accounts of their employees, on top of standard wages or salaries.
The Australian Government outlines a set percentage of employee’s income that should
be paid into a super account. Since July 2002, this rate has increased from 9 per cent to
9.5 per cent in July 2020, and will stop increasing at 12 per cent in July 2027.
Employees are also encouraged to supplement compulsory superannuation
contributions with voluntary contributions, including diverting their wages or salary
income into superannuation contributions under so-called salary sacrifice arrangements.
I would prefer you to paraphrase in your own words – also make sure you acknowledge
the source – wikipedia
New page
For many years until 1976, what superannuation arrangements were in place were set
up under industrial awards negotiated by the union movement or individual unions.
A change to superannuation arrangements came about in 1983 through an agreement
between the government and the trade unions. In the Prices and Incomes Accord, the
trade unions agreed to forgo a national 3% pay increase, which would be put into the
new superannuation system for all employees in Australia.
This was matched by employers’ contributions. Employers’ and employees’
contributions were originally set at 3% of the employees’ income, and has been
gradually increased. Though there is general widespread support for compulsory
superannuation today, at the time of its introduction it was met with strong resistance by
small business groups who were fearful of the burden associated with its
implementation and its ongoing costs. Paraphrase and source this
In 1992, under the Keating Labor Government, the compulsory employer contribution
scheme became a part of a wider reform package addressing Australia’s retirement
income dilemma. It had been demonstrated that Australia, along with many other
Western nations, would experience a major demographic shift in the coming decades,
of the aging of the population, and it was claimed that this would result in increased age
pension payments that would place an unaffordable strain on the Australian economy.
The proposed solution was a “three pillars” approach to retirement income:

compulsory employer contributions to superannuation funds,
further contributions to superannuation funds and other investments, and
if insufficient, a safety net consisting of a means-tested government-funded
age pension.
BODY: this should have a heading that relates to the report
Under Australian federal law, employers are required to pay superannuation
contributions to approved superannuation funds. Called the “superannuation guarantee”
(SG), the contribution percentage as of November 2020 is 9.5 per cent of the
employees’ ordinary time earnings, which generally consists of salaries/wages,
commissions, allowances, but not overtime. SG is only mandated for employees that
generally make more than $450 in a calendar month, or when working more than 30
hours a week for minors and domestic workers. The main exception is under
the NDIS where an individual manages their own insurance plan, and therefore hires
their own carers. SG is not required for non-Australians working for an Australian
business overseas, for some foreign executives, for members of the Australian Defence
Force working in that role, or for employees covered under bilateral super agreements.
SG contributions are paid on top of an employees pay packet, meaning that they do not
form part of wage or salaries. Contributions must be paid at least once every quarter,
and can only be paid into approved superannuation funds registered with the Australian
Securities and Investments Commission.
Initially, between 1993-1996, a higher contribution rate applied for employers whose
annual national payroll for the base year exceeded $1 million, with the employer’s
minimum superannuation contribution percentage set out in the adjacent table with an
asterisk. The contribution rate increased over time. The SG rate was 9.5% on 1 July
2014, and was supposed to increase to 10% on 1 July 2018; and then increase by 0.5%
each year until it reached 12% on 1 July 2022. The 2014 federal budget deferred the
proposed 2018 SG rate increases by 3 years, with the 9.5% rate remaining until 30
June 2021, and is set to have five annual increases, where the SG rate will increase to
12% by July 2025. However, there have been lobbying that suggests that the SG rate
should remain at the current rate of 9.5% or make superannuation voluntary.
Once again – this needs to be your words and the source acknowledged
As far as design goes – this should be broken up with headings
source of this image?
Superannuation guarantee rate[18]
Effective date All Australian internal
(from 1 July)
Norfolk Island
states and territories[a] transitional rate
The source of this image is missing
Recommendation 3–1
The Australian Government, in cooperation with state and
territory governments, should develop a National Plan to combat elder abuse. The
Plan should:
(a) establish a national policy framework;
(b) outline strategies and actions by government and the community;
Recommendation 3–2
The National Plan to combat elder abuse should be led by
a steering committee under the imprimatur of the Law, Crime and Community Safety
Council of the Council of Australian Governments.
Recommendation 3–3
The National Plan to combat elder abuse should identify
goals, including:
(a) promoting the autonomy and agency of older people;
(b) addressing ageism and promoting community understanding of elder abuse;
(c) achieving national consistency;
Recommendation 3–4
The National Plan should take into account the different
experiences and needs of older persons with respect to:
(a) gender;
(b) sexual orientation;
(c) disability; and
(d) cultural and linguistic diversit.
The interaction between superannuation, tax and pension eligibility is complex, meaning
that many Australians struggle to engage with their superannuation accounts and utilise
them effectively.
The Australian superannuation industry has been criticised for pursuing self-interested
re-investment strategies, and some funds have been accused of choosing investments
that benefit related parties ahead of the investor.
Some superannuation providers provide minimal information to account holders about
how their money has been invested. Usually only vague categories are provided, such
as “Australian Shares”, with no indication of which shares were purchased.
Losses to the superannuation funds from the global financial crisis have also been a
cause for concern, said to be around $75 billion.
1. The avoidable super fees stinging almost half Australia’s workforce.
2. Superannuation Industry (Supervision) Regulations 1994 – Schedule
1, Commonwealth Consolidated Regulations,,
accessed 3 October 2011.
3. Office, Australian Taxation. “First Home Super Saver
Scheme”. Retrieved 21 August 2019.

Purchase answer to see full

Order a unique copy of this paper
(550 words)

Approximate price: $22

Our Basic features
  • Free title page and bibliography
  • Plagiarism-free guarantee
  • Unlimited revisions
  • Money-back guarantee
  • 24/7 support
Our Options
  • Writer’s samples
  • Expert Proofreading
  • Overnight delivery
  • Part-by-part delivery
  • Copies of used sources
Paper format
  • 275 words per page
  • 12 pt Arial/Times New Roman
  • Double line spacing
  • Any citation style (APA, MLA, Chicago/Turabian, Harvard)

AcademicWritingCompany guarantees

Our customer is the center of what we do and thus we offer 100% original essays..
By ordering our essays, you are guaranteed the best quality through our qualified experts.All your information and everything that you do on our website is kept completely confidential.

Money-back guarantee always strives to give you the best of its services. As a custom essay writing service, we are 100% sure of our services. That is why we ensure that our guarantee of money-back stands, always

Read more

Zero-plagiarism tolerance guarantee

The paper that you order at is 100% original. We ensure that regardless of the position you are, be it with urgent deadlines or hard essays, we give you a paper that is free of plagiarism. We even check our orders with the most advanced anti-plagiarism software in the industry.

Read more

Free-revision guarantee

The thrives on excellence and thus we help ensure the Customer’s total satisfaction with the completed Order.To do so, we provide a Free Revision policy as a courtesy service. To receive free revision the Academic writing Company requires that the you provide the request within Fifteen (14) days since the completion date and within a period of thirty (30) days for dissertations and research papers.

Read more

Privacy and Security policy

With, your privacy is the most important aspect. First, the academic writing company will never resell your personal information, which include credit cards, to any third party. Not even your lecturer on institution will know that you bought an essay from our academic writing company.

Read more

Adherence to requirements guarantee

The academic writing company writers know that following essay instructions is the most important part of academic writing. The expert writers will, therefore, work extra hard to ensure that they cooperate with all the requirements without fail. We also count on you to help us provide a better academic paper.

Read more

Calculate the price of your order

550 words
We'll send you the first draft for approval by September 11, 2020 at 10:52 AM
Total price:
The price is based on these factors:
Customer Academic level
Number of pages required
Urgency of paper