澳洲建立SMSF(自己管理养老金)的经验谈

在澳大利亚个人理财




序言 - 建立SMSF(自己管理养老金)的原因.

申明:我不是金融顾问或注册税务代理,以下所有的东东都是我个人见解,不能构任何的金融投资税务养老金的建议。本人不为我写的个人见解承担任何形式的损失和责任负责。本人强烈建议对任何投资,税务和养老金的决定之前, 一定要咨询专业人事. 如果要引用, 可以转载但是要注明出处(.com.au)以及作者。

Disclaimer: I am not a financial advisor or registered tax agent. Below are just my personal opinions only. It does not constitute a financial, tax or superannuation advice in any form. I cannot be held responsible for any loss or liability as a result of reading this opinion. Please consult your financial adviser, tax agent before making decisions in relation to your investment and tax affairs. Please include .com.au and the author if you want to use this article somewhere else.

前段时间收到的Superannuation公司的若干份信, 打开后每次都是一句话, WTF, 我靠! 我一年的Contribution不止白交了, 还贴上了不少费用. 想想自己投资头脑还是有一点的, superannuation and tax 的知识还是可以滥竽充数的, 不如自己建立个SMSF, 当当Funds Managerment的瘾.

第二个原因是新工作涉及就是Self Managed Superannuation Fund系统, 不如把自己的例子, 可以好好测试软件(QA), 看看我所需要的要求(BA), 对我目前的工作也有帮助.

第三我现在的Super Balance (<$70,000) 根本不适和去做SMSF. 但是很SMSF不一定是关于Balance, 而是Control. Control & manager 自己的Financial Affais.

第四我由于换了好几个工作, 还有做过一两个Contract Jobs, 所以Superannuation is all over the place, 这样也是把7/8个funds完成统一大业的最好时机.

第五可以名正言顺地收购俺LD的Super, 她的公司以12%的Contribution, 完成小鱼吃大鱼的完美兼并.  

求人不如求自己, 二话不说, 动手就做!

[ 本帖最后由 Artcore 于 2008-11-15 07:39 编辑 ]

评论
Reference (资料库)

ATO, courts and government

Australian Taxation Office - ATO
http://www.ato.gov.au

Commonwealth bodies
Agriculture, Fisheries and Forestry
http://www.affa.gov.au

AusIndustry
http://www.ausindustry.gov.au

APRA — Aust Prudential Regulation Authority
http://www.apra.gov.au

ASIC — Aust Securities and Investments Commissn
http://www.asic.gov.au

Australian Commonwealth Govt Entry Point
http://www.fed.gov.au

Australian Competition & Consumer Commission
http://www.accc.gov.au

Australian Customs Service
http://www.customs.gov.au

Board of Taxation
http://www.taxboard.gov.au

Business Coalition for Tax Reform
http://www.bctr.org

Business Entry Point
http://www.business.gov.au

Centrelink
http://www.centrelink.gov.au

Commonwealth Ombudsman
http://www.comb.gov.au

Department of Family and Community Services
http://www.facs.gov.au

Department of Finance and Administration
http://www.finance.gov.au

Foreign Investment Review Board
http://www.firb.gov.au

Inspector-General of Taxation
http://www.igt.gov.au

Minister for Revenue and the Assistant Treasurer
http://assistant.treasurer.gov.au

Commonwealth Parliament
http://www.aph.gov.au

Prime Minister
http://www.pm.gov.au

Federal Privacy Commissioner
http://www.privacy.gov.au

Reserve Bank of Australia
http://www.rba.gov.au

Tax Agents' Board
http://www.tabd.gov.au

Federal Treasurer
http://www.treasurer.gov.au

Federal Treasury
http://www.treasury.gov.au


State taxes

NSW — Office of State Revenue
http://www.osr.nsw.gov.au

Victoria — State Revenue Office
http://www.sro.vic.gov.au

Queensland — Office of State Revenue
http://www.osr.qld.gov.au

South Australia — Department of Treasury and Finance
http://www.treasury.sa.gov.au

Western Australia — Department of Treasury and Finance
http://www.treasury.wa.gov.au

Tasmania — Department of Treasury and Finance
http://www.treasury.tas.gov.au

Northern Territory — Treasury
http://www.nt.gov.au/ntt

ACT — ACT Government
http://www.act.gov.au


Courts/Tribunals

High Court
http://www.highcourt.gov.au

Federal Court
http://www.fedcourt.gov.au

Administrative Appeals Tribunal
http://www.aat.gov.au


Professional associations and industry bodies

Professional associations

Association of Superannuation Funds of Australia Ltd, The
http://www.asfa.asn.au

Association of Taxation and Management Accountants, The
http://www.atma.com.au

Australian Accounting Standards Board
http://www.aasb.com.au

CPA Australia
http://www.cpaaustralia.com.au

Financial Planning Association of Australia Ltd
http://www.fpa.asn.au

Institute of Chartered Accountants in Australia, The
http://www.icaa.org.au

Investment & Financial Services Association Limited
http://www.ifsa.com.au

Law Council of Australia
http://www.lawcouncil.asn.au

Law Institute of Victoria
http://www.liv.asn.au

Law Society of the Australian Capital Territory
http://www.lawsocact.asn.au

Law Society of New South Wales
http://www.lawsociety.com.au

Law Society Northern Territory
http://www.lawsocnt.asn.au

Law Society of South Australia
http://www.lssa.asn.au

Law Society of Tasmania
http://www.taslawsociety.asn.au

Law Society of Western Australia
http://www.lawsocietywa.asn.au

National Institute of Accountants
http://www.nia.org.au

NTAA — National Tax & Accountants' Association
http://www.ntaa.com.au

Queensland Law Society
http://www.qls.com.au

Taxpayers Australia Inc
http://www.taxpayer.com.au

Taxation Institute of Australia
http://www.taxinstitute.com.au

Particular industries/occupations

Australian Stock Exchange
http://www.asx.com.au

Legal directory
http://au.findlaw.com


News, media, publishing and information Publishers

ATP — Australian Tax Practice
http://www.atp-online.com.au

CPD — Centre for Professional Development
http://www.cpd.com.au

LBC — LBC Information Services
http://www.lbc.com.au

Westlaw International
http://www.westlaw.com.au

News media

Australian Financial Review
http://www.afr.com.au

Bloomberg
http://www.bloomberg.com

Reuters
http://www.reuters.com

Sydney Morning Herald
http://www.smh.com.au

The Age
http://www.theage.com.au

Specialist information

AUSTLII — Australasian Legal Information Institute
http://www.austlii.edu.au

Australian Bureau of Statistics
http://www.abs.gov.au

National Office for the Information Economy
http://www.noie.gov.au

Commonwealth of Australia Law (Com Law)
http://www.comlaw.gov.au

Review of Business Taxation
http://www.rbt.treasury.gov.au

SCALEplus
http://scaleplus.law.gov.au


International sites

Overseas revenue organisations

NZ — Inland Revenue
http://www.ird.govt.nz

UK — Inland Revenue
http://www.inlandrevenue.gov.uk

USA — Internal Revenue Service
http://www.irs.ustreas.gov

World tax information

Organisation for Economic Co-operation and Development
http://www.oecd.org

Tax Analysts — world site
http://www.tax.org

Tax World — USA tax site
http://www.taxworld.org

Universities

New South Wales

ATAX — Australian Taxation Studies Program
http://www.atax.unsw.edu.au

Charles Sturt University
http://www.csu.edu.au

Macquarie University
http://www.mq.edu.au

Southern Cross University
http://www.scu.edu.au

University of Newcastle
http://www.newcastle.edu.au

University of NSW
http://www.unsw.edu.au

University of Sydney
http://www.usyd.edu.au

University of Technology Sydney
http://www.uts.edu.au

University of Western Sydney
http://www.uws.edu.au

University of Wollongong
http://www.uow.edu.au

Victoria

Deakin University
http://www.deakin.edu.au

La Trobe University
http://www.latrobe.edu.au

Monash University
http://www.monash.edu.au

RMIT University
http://www.rmit.edu.au

Swinburne University of Technology
http://www.swin.edu.au

University of Ballarat
http://www.ballarat.edu.au

University of Melbourne
http://www.unimelb.edu.au

Victoria University
http://www.vu.edu.au

Queensland

Bond University
http://www.bond.edu.au

Central Queensland University
http://www.cqu.edu.au

Griffith University
http://www.gu.edu.au

James Cook University
http://www.jcu.edu.au

Queensland University of Technology
http://www.qut.edu.au

University of Queensland
http://www.uq.edu.au

University of Southern Queensland
http://www.usq.edu.au

University of the Sunshine Coast
http://www.usc.edu.au

South Australia

Flinders University
http://www.flinders.edu.au

University of South Australia
http://www.unisa.edu.au

University of Adelaide
http://www.adelaide.edu.au

Western Australia

Curtin University of Technology
http://www.curtin.edu.au

Edith Cowan University
http://www.cowan.edu.au

Murdoch University
http://www.murdoch.edu.au

University of Western Australia
http://www.uwa.edu.au

Tasmania

University of Tasmania
http://www.utas.edu.au

Territories

Australian National University
http://www.anu.edu.au

Charles Darwin University
http://www.cdu.edu.au

University of Canberra
http://www.canberra.edu.au


Individual sites and sites of interest

Sites maintained by individuals

Oz Tax — Australian Taxation Index
http://commerce.flinders.edu.au/tax

[ 本帖最后由 Artcore 于 2008-11-17 23:58 编辑 ]

评论
坑2

评论
坑3

评论
坑4

评论
坑5

评论
先把分加上

评论
看下,合适的话,我也照着你的做

评论
等着看好文章。

评论
恩, 我也在考虑. 不过要几个人一起才行

评论
支持。必然是强文。正好我家也要签这个保险协议了。

评论
熊猫自做帐,找人审计,成本应该低于管理费

评论
很好奇,等下文

评论
楼主,快把坑补上,很期待看到你得文章!

评论


9494,LZ快点填坑。

评论
强文支持

评论
Personally, it doesn't worth to do SMSF.

Too mush time and effort have to put into on the daily basis. Every investment decision made by the individual in the fund  has to involve.

Compare to other investment with same level of effort, the return is not attractive. (Just personal opinion)

评论
Thank you.

评论
非常期待

评论
虽然同意目前自己做不是最佳选择,但是很想听听楼主的经验分享,感谢

评论
晕啊,比我当年写的论文还复杂。

搬个板凳等结论好了。一想起自己辛辛苦苦赚的钱被那帮吸血鬼拿去“管理”就不爽。我自己拿去投资比他们强多鸟~

评论
Artcore的好文期待

评论
拭目以待!

评论
就光看那些super fund付给advisor的commission,心里就不爽,那些都是我们的银子啊。加上这个fee那个fee,还来个股票亏损,还不如我放定存的。

曾经考虑国同样的问题,但是好像要audit什么的,看似很麻烦,就搁置了。

擦亮眼镜,等楼主经验之谈!

评论
期待好文

评论
看到这个题目,想到了自己。我做SFSF 很多年了,好像从2000年就开始了 (参加了无数免费的、付钱的投资、理财讲座的结果),基本属于比较前卫的。 那时 ITbubble 破灭,风险投资损失,看到自己的super 不涨还跌,还要付各种费用,一时气不过,就决定干脆自己掌握命运。

8年下来,觉得很麻烦。每年要做audit,加上accounting,总的费用还蛮高的。 自己做投资,虽然主动权在手里,但股市不好,一样被套,一样损失。 说实话,现在反而后悔当初的选择了。好处自然也有,首先不用付fund manager 的费用了, 还可以拿一笔否则动不了的钱练习投资,理论上讲,如果这个过程学到了很多东西,以后的回报也是很高的,但是能获取多少只是和经验,又因人而异,付出的代价,也是要考虑进去的。 现在退也不方便退, 因为手续上又要麻烦一次,(想当年那种激情已经没了),其次,手上的股票还不想就这样卖掉,所以现在是依然保持现状。

个人感觉如果你自己感觉股票投资上有一定水准,又愿意花精力的话,尤其是能够保证持续地投入热情的话, by all means, go for it!  但对大多数人来说,不一定值得。。。

个人经验之谈,希望能提供些借鉴

评论
谢谢,甜螺原来这么早就吃螃蟹了,你的经验相信对很多人都会有用

评论

每年的费用大概有多少啊?

评论


吃螃蟹吃得还蛮多的,经验教训都不少

评论


待我回头查一查,再来报告。
澳洲中文论坛热点
悉尼部份城铁将封闭一年,华人区受影响!只能乘巴士(组图)
据《逐日电讯报》报导,从明年年中开始,因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
联邦政客们具有多少房产?
据本月早些时分报导,绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联

个人理财

个人理财

HSBC 特别差的体验

澳大利亚想着去其他国家, 办一张HSBC的Everyday Global卡, 可以存10种外币,于是填写了网上申请表。 2 weeks later, 啥也没有,早上8:10分打客服电话等了40分钟,终于有人接了,问了一堆安全问题, ...

个人理财

补满前5年养老金问题

澳大利亚现在是2023-2024年度,前5年,指的是2019-2020,2020-2021,2021-2022,2022-2023 加上这年?现在有几个问题想请教 1. 就算补2万一年,10万。这样的话,今年报税就会出现负值了怎么办?允许吗? ...

个人理财

请教换super

澳大利亚现在用的是ING,里面有股票和基金。想转到其他super,是可以直接在ATO上转,还是要先清空股票和基金,全部变成现金才能转? 另外,有没有费用比较低的super可以推荐?主要是买卖一些 ...

个人理财

ANZ plus 四大的免费账户,真的赞

澳大利亚四大里面,只有NAB和ANZ plus不收月租 NAB之烂大家有目共睹,现在几乎是连ATM都找不到了 ANZ plus直接在app上开户非常迅捷,而且开户后转款也是秒到 送实体visa卡 另送saver账户,利息4点多 ...

个人理财

亲测Wise 账户,和ING卡在中国的使用

澳大利亚leo哥我在国内机场用ING卡取人民币,没有任何问题,秒取 后来想往微信里充点钱,就从ING卡转钱到wise账户,秒到,然后wise账户再直接充到微信里,也是秒到,太方便了,汇率还相当不 ...

个人理财

信用卡盗刷,大家有遇到过吗

澳大利亚早上发现5个$18.2的付款,donation到一个叫做Chestertown river Arts的机构,从来没去过这些地方,我准备打电话给CBA dispute,大家有遇到过吗? 评论 经历过两次被盗刷,一次NAB信用卡,一次 ...

个人理财

Supper显示养老金年回报9.88%

澳大利亚诚心请教,我的super自从前年换了一家后,年回报率从负数变成了百分之9.88了 (诚心无炫耀成分)。这个正常吗?觉得有点too good to be true. 尤其是前年covid期间的负数一下跳到这么高。 ...

个人理财

美联储重磅消息-放缓缩表

澳大利亚这么大消息没人分享?美联储宣布放缓收紧缩表,6月正式执行,没人看这消息吗? http://edition.cnn.com/2024/05/ ... -trading/index.html 评论 反了,楼主,美联储要放缓缩表 The Fed announced that i ...

个人理财

请教reward 信用卡

澳大利亚我还从来没用过reward信用卡,但是朋友都推荐使用,说是可以攒积分换钱。但是我网上查这些卡的使用方法,都说积分是不能给商业购买行为的。怎么区分什么消费是商业购买什么不是 ...

个人理财

海外人员可以在哪些银行开账户

澳大利亚帮国内的亲戚打听一下,海外人员可以在哪些澳洲银行开账户呢?最好利息高一点,要求少一点的。纯海外人员,没有澳洲的签证和证件 评论 连澳大利亚签证都没有?开不了吧?既不够 ...

个人理财

养老金账户连年亏损

澳大利亚刚才计算了一下在Qsuper的养老金,过去若干年“绝大部分”财年都是投资亏损,每年还要缴纳不菲的账号管理费用,顿时心头冒火!!! 无法忍受这种无能的管理。必须得换一个。 另外 ...