The introduction of Automatic Enrolment will see a transition from the current system, which is purely voluntary, to one which will, subject to certain parameters, automatically enrol employees into a quality assured retirement savings system. However, the person saving will retain the freedom of choice to suspend or entirely opt-out of their participation in the system. It is intended that the new system will be phased in over the next decade, allowing time for both employers and employees to adjust. It will also offer a contribution rate starting at only 1.5% of gross earnings for both employer and employee at the beginning of this phased process, rising by 1.5% every three years to a maximum of 6% by Year 10. The State will also top-up those contributions by €1 for every €3 saved by the employee.