什么时候可以开始领取养老金（SUPER）
以前，您只能在65以后或退休时开始领取养老金。
根据新的“退休过渡期”规则，如果你已经达到你Preservation年龄，你可以在减少工作时间的情况下，从养老金中按期取出储蓄，从而不降低整体收入。进而保持原有的生活质量。
根据这个规则，提取方式只能是分期，不能转换成一笔现金支付。
同时，雇主仍然需要为所有合格雇员，包括“退休过渡期”员工支付法定养老金。
•Preservation年龄一览表
Date of birth Preservation age (years)
Before 1 July 1960 55
1 July 1960 – 30 June 1961 56
1 July 1961 – 30 June 1962 57
1 July 1962 – 30 June 1963 58
1 July 1963 – 30 June 1964 59
After 30 June 1964 60
可通过以下链接做个测试
https://www.moneysmart.gov.au/to ... sion-age-calculator
税务知识也没那么神秘，每天多了解一点，ＡＴＯ就钻不了你空子了。
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MARK, good, +3 thx
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听说60岁以上可以一次领取super 不用付税，用以pay home loan,不知是否真实？谢谢
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如果退休，以后都不再工作是这样的
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谢谢
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谢谢分享
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如果你只想提取低于10%的话，没问题。否则你必须满足养老金释放条件之一。根据你的具体情况，才能给你准确的回答。
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请问，养老金的释放条件是什么呀？我55岁，没有工作。
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如果你在澳州曾工作过并切你的雇主为你缴纳过养老金，你可以向你的养老金申请领取退休金。退休金可以以收入流或单比（lump sum)方式支付给你。我假定你没有缴纳过税后养老金，lump sum的好处是在一个比较大的限额下，你不用为你领取的退休金交个人收入税。但你的养老金的收入仍然要交15%的税。income stream可以让你的养老金进入免税模式，你本人得为你领取的退休金交税，但有15%的返还。当你60岁以后，免税。
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继续我刚才的回帖，你可以领取你所有的退休金余额。但如果你有其他收入的话，请记住你的养老金的税率只是15%。
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退休或离境都可以
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如果是income stream
http://www.ato.gov.au/rates/key- ... efault=&page=11
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如果是 LUMPSUM
http://www.ato.gov.au/rates/key- ... efault=&page=10
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Preservation age和出生年份有关
http://www.ato.gov.au/Super/Self ... r/Preservation-age/
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I am above the preservation age ( about 59yo), current would like to subdivide my backyard and sell the house , I therefore require some fund to do these. I do not wish to take addional loan to these, so I would like to take some fund from the supper. From my understanding, if I widthdraw less than 180K per year ( i only intend to withdraw 50K ), I will not be taxed. But I am confused by the rule about withdraw above 4% but less than 10% of the total fund. Secondly, what is "Member benefit – taxable component – untaxed element", i understand there is a preserved/nonpresserve amount, what the diff?
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If you are still working and want to withdraw 50k from you super, you still need to pay tax, unless, you are over aged 60, its tax free to withdraw from your super under taxed and tax-free component.
4% is the minimum withdraw requirement for TRIP (Transition to retirement plan) and 10% is the maximum you can withdraw.
No one can give you advice on any kind of websites, the best option for you, find a Financial Advisor and have a chat, base on your personal & financial situation, they can give you detail & tailor recommendations.
Have a good day.
Martin
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很多华人super 里没有多少钱，今年近60岁，无工作，怎么办 ？
能否pension ?
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谢谢18楼的回答,我已经约好去见Financial Planner了.
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