圣诞在家没事，随便瞎翻翻，大家瞎看看
Super最近发生的一些变动
联邦政府最近宣布了一些可能影响你Super 投资的变化
下面是一些变化的简介以及对你Super的影响
低收入人士的Super贡献的变化
这是今年早期的提议，从2012年七月一日开始，对于收入不高于37，000的人士在交强制Super时不需要交Super的税
因为政府会把这15%的税退给符合标准的人
这意味着什么？
如果你的税前收入不超过37，000，你的Super贡献里不需要交税了，因为政府会把你付的15%税退还给你的账户
Poweregg评价：收入低于37，000的，雇主帮你交9%Super时，ATO收掉的15%税会退给你。。。。没有累进政策？那收入37000和37001真是冰火两重天啊
政府共同贡献的减少
当新的低收入Super贡献税减免从2012年七月一日开始实施后，政府的共同Super贡献会减少
可以申请最大数额贡献从1000元砍到500元，只有收入不超过31，920的人士才能申请到全额。
政府当前是你放一元，政府也放一元进你的Super账号，在新方法实施后，你每放一元，政府只放0.5元，而且随着你的收入增加，比率将组将降低，当你收入达到46，920后，你将享受不到这个政策（当前方案会在你收入达到61，920时，才不能享受这个政策）。
这意味着什么？
这个财政年度，如果你的收入低于61，920，你还是能得到“共同贡献”如果你做了税后Super贡献。
然而从2012年7月1日开始，因为政府“共同贡献”的比例降低以及能享受“共同贡献”的收入上限的降低，中低收入人士对做税后Super贡献的兴趣会降低。
但是如果你的收入低于37，000， 你的Super不需要交税，减少了“共同贡献”降低对你造成的冲击。
Poweregg评价：中产阶级们，特别是省吃俭用，想放点钱进Super赚取政府“共同贡献”的华人们，你们向来是政府最大的肥肉哦~~~不要努力工作了 ，37000以上Super要交15%税，自己税后放钱进去，政府给的钱也少了
税前Super贡献上限的变化
当前50岁以下人士，税前Super贡献的上限是25k每年，50岁以上人士，上限则是50k。
然而，政府正在考虑对50岁以上，以及Super里面有500k的人士，把他们税前贡献的上限降低到25k一年。
政府宣布了这些上限暂时不会跟着2012/14财政年的通货膨胀增长，这些上限会保持不变一段时间
这意味着什么？
自从政府在2009年把税前Super上限的额度对砍后，他们还没有被调整过。
然而，如果你的工资增长，Super同时也按比例增长，而你又做“薪资牺牲”（个人缴纳税前工资进Super，你要注意你的Super不能超过限度）
Poweregg评价：对砍对砍，不过就算上限是25k，也要年收入27W的人士才会达到上限，暂时不关心
取消Super贡献的年龄限制
当前70岁以上的雇员不能从雇主那里享受到Super贡献，但政府宣布从2013年7月1日开始，所有符合条件的70岁以上雇员都可以享受到Super。
这意味什么？
如果你是老龄员工，这个政策将激励你继续工作，因为你也可以拿Super了。
Poweregg评价：什么狗屁激励老年人工作，明明叫人做到死吗 一方面雇主开销增加，一方面，政府可以不发pension还有税赚~~~看来政府真的囊中羞涩了
Extension of the drawdown relief on account-based pensions
In recent years, the Government reduced the minimum pension payment requirements to help self-funded retirees who suffered a drop in the value of their investment due to the global financial crisis.
Due to the continuing volatility in global financial markets, the Government has now announced that it will extend the 25% reduction in minimum payments for the 2012/2013 financial year.
What does this mean for you?
If you have an account-based pension, this means you take advantage of the reduction for another year to conserve the capital in your pension account and make your retirement savings last longer.
Poweregg评价：这部分比较难翻译，大家凑合看原文吧，首先要理解什么是account-based pensions，反正偶20年不会退休，暂时不关注
[ 本帖最后由 Poweregg 于 2012-1-23 21:00 编辑 ]
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要是看不惯偶的狗P翻译，原文在此：）
Legislation Update
There have been some recent changes announced to super
The Federal Government has recently announced some changes which may have an impact on your super investment. Here is a brief summary of the changes and how they may affect your super.
Changes to the new low income superannuation contribution
This proposal was first announced earlier in the year. From 1 July 2012, it allows people earning up to $37,000 to effectively pay no tax on their compulsory super guarantee (SG) contributions, as the Government will refund the 15% contributions tax to those who are eligible.
What does this mean for you?
If you have a taxable income of $37,000 or less, you will pay no tax on your super guarantee contributions as the Government will refund the 15% tax which you normally pay.
Reduction in the Government’s Co-contribution
When the new low income superannuation contribution tax rebate begins from 1 July 2012, the super co-contribution will be reduced.
The maximum amount claimable for the super co-contribution will be halved from the current $1,000 to $500. Only people with an income of up to $31,920 will be eligible to receive the maximum amount.
The matching rate (that is the amount that the government puts in for each $1.00 you put in) will also be reduced. The government currently matches contributions dollar for dollar, but this will be halved to 50 cents for each $1.00 of after-tax contributions. It then progressively reduces for incomes over $31,920 up to a maximum of $46,920 (currently $61,920), after which it phases out completely.
What does this mean for you?
You will still be eligible for the co-contribution if you earn less than $61,920 and make an after-tax super contribution this financial year.
However from 1 July 2012, with the reduced matching rate and the lowering of the upper income threshold, fewer employees will be eligible for the co-contribution, and there will be less incentive for low and middle income earners to make after-tax super contributions.
But if you earn less than $37,000, this reduction will be at least partially offset by the introduction of the new low income superannuation contribution tax rebate.
Changes to the concessional contribution caps
The concessional or before-tax contribution caps are currently $25,000 per annum for people under the age of 50 and $50,000 per annum for people aged 50 years and over. However, the Government is considering reducing this cap to $25,000 for people over age 50 and with $500,000 or more in super.
The Government has announced a pause in the indexation of these caps, which means they will not be indexed to inflation for the 2013/14 financial year. So these caps will effectively remain the same for a much longer period.
What does this mean for you?
The Government has not adjusted the concessional contribution caps since it halved them in 2009. However, you may have received annual salary increases during this time, meaning your SG contributions may also have increased.
If you sacrifice some of your salary into your super, you need to make sure that you are not running the risk of exceeding your contribution cap.
Removal of age limit on super guarantee contributions
Currently employees over the age of 70 are not entitled to super guarantee contributions from their employer, but the government has announced that from 1 July 2013, all eligible employees 70 years of age and over will receive these contributions.
What does this mean for you?
If you are a mature-age employee, this change will provide you with more incentive to stay in the workforce and allows you to keep contributing to your super up until you decide to retire.
Extension of the drawdown relief on account-based pensions
In recent years, the Government reduced the minimum pension payment requirements to help self-funded retirees who suffered a drop in the value of their investment due to the global financial crisis.
Due to the continuing volatility in global financial markets, the Government has now announced that it will extend the 25% reduction in minimum payments for the 2012/2013 financial year.
What does this mean for you?
If you have an account-based pension, this means you take advantage of the reduction for another year to conserve the capital in your pension account and make your retirement savings last longer.
评论
这个研究不多，得研究一把
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多謝樓主的分享..
1. Account-based pension其實就一般最常用的pension.. 主要最後一點是將說當super轉到pension, 不同的年紀有規定一定每年一定要最少拿x%出來.
但以為2009年GFC, 很多人的super都變少, 有些人拿出來時又要交稅. Govt就減少拿出來的比率... 讓一些人可以多放錢在pension下省稅而不用賣掉.
2. 70歲以上拿super..簡單來說就是大家也越來越晚退休.. 也保障老年人權益 (這是好聽的版本)
難聽就是, Govt養不起大家. 請大家多努力工作. 這也是全世界現在的問題
3. 減少Government co-contribution.. 以為發現其實能拿這些錢的都是收入不高, 一般收入不高的朋友, 真的都不太可能還要放錢to super.
所以就不收15% contribution tax.
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感觉3最冲击的就是华人中/低产家庭啦
一般华人，就算收入不高，也会省吃俭用
然后以往自己往Super里面扔1000，政府也会给1000，现在扔1000，政府才给500，而且只要高于31，920，政府放的钱的比例还会下降，呵呵
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谢谢分享
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Ding好贴！以后请多写
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15%的税是退回super帐号，还是直接给回个人，如果直接给退税支票，就给力了
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super 账号，一码归一码
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记得有一个 是 SGC 会从9% 缓慢涨到12%，好像用时6年 吧
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super只是一个40年后的希望，能用得到都算命好的
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super就是政府强迫用我们的钱养活一帮废物的借口
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就是说2012年6月30日之前最后享受旧政策
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这一部分实际操作有很大困难，因为super的金额是根据市场波动的，可能今天在$500，000上，过俩星期市场不好就掉下去了。 尤其是年龄在55岁以上总benefits又在$500,000上面不多的，可以先withdrawal再使自己的总benefits少于$500,000再贡献。
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對啊~~ 不過政府就希望讓有錢人多交稅..
如果有$500k以上 表示生活應該還不錯.. 就先多幫忙低收入的. 也讓有錢人能更提早規劃退休.. 不要到最後一刻才一直放錢近來.
我記得2007 or 2008年時條件最好.. 可以一下放$1m到super裡面 (沒記錯數字的話)..
最主要很多有錢人大量做salary sacrifice把自己income降到$50k 然後也可以去拿Government Co-contribution.
所以後來我看到文章說那段時間拿最多govt co-contribution的人反而都是有錢人.後來越多條款都是希望不讓有錢人更有錢.
p.s. 前面很多朋友說到super沒有用.. 這在很多地方都討論過.. 賺不賺錢是看你自己去選擇, Govt只是提供一個省稅的平台. 你要賺錢還是賠錢 自己來決定.
就像你去工作 賺了薪水. 老闆不管你要如何花.. 你都拿去casino陪掉 你還要去罵老闆?
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搭车问下LZ，super交的那15%税，在做tax return的时候能做过withheld tax放进去吗？
我是头一次做tax return，全都弄完了，过了几个月，才收到super的信，发现super原来也要上税（国内交养老金是在税前扣的，也不用交税）。
用etax做的tax return，没发现哪里可以把这项加进去。
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年末报税 和 super 没有关系
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mark一下。
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18楼说得对
Super那部分，你是雇员的话
都是雇主强制交强制扣的
和你的tax return没啥关系的，是钱进了super fund就被ato扣掉的
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好贴！！
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好文章，不会加分的路过
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government co-contribution又减呀，真烦人
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37000是个节点啊。。。。看来没才找不到好工作也有点好处，囧
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LZ辛苦啦。
不过这个37000是应税收入哦，即税前的，不是税后收入哦。
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借此帖想问一下，记得PR 在澳洲居住10 年就可在退休时领pension. 这十年必须交Super 吗？
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你的這個"pension"是指政府的age pension (老人退休年金), 和super這裡的pension是不一樣...super的pension是看你super有多少pension才能拿多少(自己存).
Govt的pension是看你residency和income & asset test
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Thanks
[ 本帖最后由 Bailey 于 2012-1-23 22:40 编辑 ]
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谢谢指正，打错了，已跟新：）
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