澳洲大家知道如果離開了澳洲去了其他國家生活,現

在澳大利亚个人理财




想到了一個問題,好像還沒有找到答案,就是萬一離開了澳洲,譬如回了中國以後,
現在在澳洲的養老金怎麽辦呢?到了60歲以後怎麽拿出來??請問大家有沒有人知道
怎麽應對?謝謝。

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如果永远不回澳洲了,可以申请把super取出来

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楼主到底是问Super还是pension?

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是公民吗?公民60岁之后,宣布退休才能免税拿出来

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首先你要确定你是否是PR或者公民,还是临时的签证。
第一,如果你是PR或者公民,你要决定永久离开澳洲,那么你的super只有在你的年龄到达要求退休才可以领取。

第二种情况,如果是临时的签证,你需要申请Departing Australia superannuation payment (DASP),且必须是当你离境并且签证到期之后,你才能申请到super的钱。可以Online提交同时需要你的签证信息,还有身份信息等。 但是ATO建议你离境前就去办理这些手续,这样省去了之后再提交资料的烦恼跟麻烦。

希望能够帮到你。ATO网站for temporary residents :    https://www.ato.gov.au/Individua ... eparting-Australia/

PR or Citizen:  https://www.ato.gov.au/individua ... ustralia/#Yoursuper


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Super

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是公民,怎麽證明已經退休?填一份表格就可以了嗎?

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我是公民,到了60歲以後就和我的Australia Super說我要退休了,其實那時候我
在海外他們也不會知道的吧?我連續好多年不交稅他們也沒有關係的吧。。。

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都没有关系

宣布退休要填个宣誓退休的申明,如果不满足条件,再等到67岁

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在海外没有特别限制条款,等同澳洲本地人处理。不到年龄支取,海外有特别税率

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哦,要瞭解,還是直接問保險公司可以。。。。

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只给你三分之一super,剩下的充公

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这个讲法有依据吗?

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457走的时候,可以取完super。。

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啊?這麽可怕,不會那麽“殘忍”吧?要瞭解。。。

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剛剛在網上找到了這個。。。
Australian citizens (and permanent residents of Australia) who then relocate overseas are
treated in the same way as Australians living in Australia:

they cannot access preserved super benefits until they reach preservation age and retire, or satisfy another condition of release. (I explain the conditions of release in the SuperGuide article Accessing super early: 14 legal ways to withdraw your super benefits.

====
Q: I really found your web page very informative as I am just about to retire. I wish I had read it years ago. You certainly take the mystery out of super. My son, 42 yrs old, has moved permanently to the USA. He does not intend to return to Australia. He has a small industry-based super account and we were told that he cannot access this until retirement. Is this correct?







Many thanks for your kind words about our website, and we’re pleased that you have found it useful.

I’m assuming your son was a permanent Australian resident and Australian citizen before he departed Australia’s sandy shores, rather than a temporary resident. Australian citizens (and permanent residents of Australia) who then relocate overseas are treated in the same way as Australians living in Australia: they cannot access preserved super benefits until they reach preservation age and retire, or satisfy another condition of release. (I explain the conditions of release in the SuperGuide article Accessing super early: 14 legal ways to withdraw your super benefits.

Important: New Zealand citizens and Australian citizens are now able to transfer retirement savings between NZ and Australia, in both directions, subject to meeting special rules. The Trans-Tasman Portability Scheme is explained in the SuperGuide article KiwiSaver: Only one super fund accepts super transfers from NZ to Australia.

Note: Preservation age for anyone born on or after 1 July 1964 is age 60, which is the preservation age for anyone aged 42. Preservation age ranges from age 55 (for those born before July 1960), age 56 (for those born on or after 1 July 1960 through to 30 June 1961), and, depending on date of birth, 57, or 58, or 59, through to age 60.

In the olden days (about 17 years ago) it was possible to access your preserved super benefits when you left Australia permanently subject to meeting certain conditions. The rules were changed from July 1998 which now means that any Australian citizen who moves overseas permanently cannot access super benefits unless they satisfy a condition of release. The rationale for this policy is that Australian citizens may return to Australia to retire, or at least have the option of retiring in Australia.


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取出来

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以前的帖子有,你可以搜搜,绝对不是全部拿出来

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如果是提早取,好像只能那一办,还要达到一定要求, 比如必须离境多少天后才能取之类的。。
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