本人对养老金的问题很茫然,听朋友说过自己可以往养老金帐户存钱而且是免税的,那这样的话自己每个月银行的利息存入养老金不是也挺好?如果存的不多利息本来也赚不到多少,这样还免了税.可是我不知道除了免税以外自己一直存养老金还有什么好处呢?如果我们是打算长期回国发展的,自己一直存养老金算不算也是证明自己和澳洲一直有联系,老了以后回来会更方便? 希望得到高人指点,谢谢!
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You can contribute to your super fund, however, it is not 'tax free' in any case. This is complicated and I am not an expert. but I can assure you that it is not tax free at all.
Just be reminded that you can only have access to your super fund under very limited circumstances before the retirement. Do you really want to wait for so many years to access the money? If you want to go back to China, why bother contributing money into your super fund in Aus? No one knows what could happen in so many years.
If the interest income you want to contribute is not immaterial, then maybe you can show you connection with Aus. If the interest income is immaterial, I am not sure whether a connection with Aus can be established.
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Thanks for reply. I know I can only access to my super fund under very limited circumstances before the retirement. I just want to invest small amount each month so it is not a big deal at all. The main purpose is keep connecting with Australia.
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I am not sure about how much you are going to contribute, but I think if it is only 'small amounts', whether that can help you to establish the connection with Aus is worth considering.
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澳洲养老金是个复杂的领域,而且不知道LZ的具体情况,所以只能给出一般的简单的介绍。
往养老金帐户存钱一般有两种情况:
1. 与自己的雇主协商,用自己税前的钱存入养老金,这种叫Salary Sacrifice, 税前的钱存入养老金要交税15%
2. 用自己税后的钱存入养老金,叫Undeductible Contribution,不用交税,如果收入低于$60,342 ,可以享受政府的Co-Contribution
存养老金的好处最主要的就是退税,比如第一种情况,可是如果LZ收入不高,又需要现金周转,那么第一种不合适。
第二个好处是享受政府的Co-Contribution,第二种情况,如果收入低于$30,342,那么自己税后存入$1000,政府给补助$1500。收入高于$30,342则递减。
第三个好处是长期投资,到老了提取,就当长期存款了。
所有在澳洲挣钱的人(这里包括学生,PR和工作签的),如果想提取自己的养老金,都需要满足政府的Conditions of release。下面是简单的翻译。
1. You reach age 65 (活到65岁)
2. You reach preservation age and permanently retire (活到55岁,但要宣布永远退休)
3. You die (你死了,养老金付给你的家人)
4. You are permanently incapacitated (永久残疾了)
5. Your employment is terminated and the benefit is less than $200, or (你的工作中止了,而且你的养老金只有不到200澳元)
6. You are a lost member who is found and the benefit is less than $200.(你是a lost member ,但现在你的养老金被追回,但Balance不足200澳元。)
只有符合以上条件,才能接触到自己的养老金。对于留学生回国,如果还不是PR,只要声明以后永远不会回澳洲,也可以提取自己的养老金。如果是PR,不能满足以上条件,很难接触到自己的养老金。是个麻烦事,因为如果金额小的话,管理费扣来扣去的很快就没了;金额大的话,想回国两年,感觉市场不好,不想操心,就给养老金选个Fixed Interest Plan 或 Conservative的投资计划;确实没有什么太好的方法。
Meng Zhang
Home Loan & Life Insurance Broker
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我知道拼命向super里放钱的都是快退休的,对于年轻人,几十年后的物价涨到什么样子还不清楚呢,还不如拿这些钱作些投资呢。
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很牛很专业的解释,谢啦!可惜俺级别太低没分加...
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