几个比较细的问题，希望得到解答，持分感谢
1） 在澳洲必须交满多少年才能领取养老金？还有没有其他的额外条件？
2）现在家里有一人不工作，有可能未来也一直不工作，可以自交super吗？最低需要交多少钱？领取养老金的额度与super账户余额有关系吗？
3）如果打算给配偶自交养老金，由家里赚钱的一方来支付，这部分金额可以抵税吗？
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顶
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1） 在澳洲必须交满多少年才能领取养老金？= your preservation age, if your DOB is after 1/7/1964, your preservation age=60+
还有没有其他的额外条件=yes, but very hard to meet: ie , disability , terminal ill etc
2）现在家里有一人不工作，有可能未来也一直不工作，可以自交super吗？=YEs, you can even get gov co contribution and spouse contribution
最低需要交多少钱？no min amount
领取养老金的额度与super账户余额有关系吗？= if total amount is less then 300, you can get paid out .
3）如果打算给配偶自交养老金，由家里赚钱的一方来支付，这部分金额可以抵税吗？= yes,
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谢谢！虽然有几点还是不太明白！
比如第一个，我的问题是，最低需要交多少年的养老金才能领取退休金？举个具体例子，30岁来澳洲，从30岁交到40岁，满10年，是不是等退休后就可以拿养老金了？还是必须交到60岁？
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you don't have to make any contribution if you not working, only the SGG 9.5% if you are employed.
whatever amount in your super + investment earning is the total balance and this is amount you can take out when reach preservation age
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Accessing super early: 14 legal ways to withdraw your super benefits
http://www.superguide.com.au/acc ... your-super-benefits
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T3 Superannuation contributions on behalf of your spouse 2016
https://www.ato.gov.au/Individua ... f-your-spouse-2016/
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记得在中国好像需先交满15年的养老金，以后才可以取养老金，在澳洲没这个规定。
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如果不工作， 拿不到 gov co contribution
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Eligibility for the super co-contribution
You will be eligible for the super co-contribution if you can answer yes to all of the following:
you made one or more eligible personal super contributions to your super account during the financial year
you pass the two income tests
-your total income for the financial year is less than the higher income threshold ($50,454 for 2015-16)
-10% or more of your total income comes from eligible employment-related activities or carrying on a business, or a combination of both
you were less than 71 years old at the end of the financial year
you did not hold a temporary visa at any time during the financial year (unless you are a New Zealand citizen or it was a prescribed visa)
you lodged your tax return for the relevant financial year.
You are not entitled to a super co-contribution for personal contributions you have been allowed as a tax deduction.
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-10% or more of your total income comes from eligible employment-related activities or carrying on a business, or a combination of both = easy to pass....
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我觉得楼主有点分不清楚pension和super，需要找一下基本科普文
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