用Self-managed super funds提早取出super

whoisit

楼主目前正在full time学习,拿着学生津贴,之前的工作有将近1万澳币的super,现在想取出来,因为super的钱一直在减少,光养那些基金经理了,那些基金公司就是bloody吸血寄生虫.目前因为学生津贴不满足harship条件,所以请教大家特别是税务高手,能不能有什么旁门渠道比如成立一个trust什么的把养老金转过去然后取出来,网上搜索一下,发现可以自己成立个Self-managed super funds自营养老金,所以有没有可能自己注册成立一个公司,然后用自营养老金投资然后慢慢取出来.具体细节还得请教下大家,因为数额不大,也才1万左右,就是扣一半我也愿意,情愿给政府也不给基金经理养保时捷

pandababy

除非永远离开澳洲把

Kimichen

我目前用的ING super 没有管理费， 保险需要手动在网上取消

fangfang1

Severe financial hardship

To release benefits under severe financial hardship you need to be satisfied that the member:

    can't meet reasonable and immediate family living expenses
    has been receiving relevant government income support payments for a continuous period of 26 weeks and was receiving that support at the time they applied to the trustees.

The payment must be a single gross lump sum of no more than $10,000 and no less than $1,000 (or a lesser amount if the member's benefits are less than $1,000). Only one payment is permitted in any 12-month period.

Alternatively, if the member has reached their preservation age plus 39 weeks, you need to be satisfied that the member:

    has been receiving relevant government income support payments for a cumulative period of 39 weeks since reaching their preservation age
    was not gainfully employed on a full-time or part-time basis at the time of applying to the trustees.

If you release benefits under these circumstances, there are no cashing restrictions.

肥鱼

这群吸血鬼慢慢地吸干你的血汗钱，可是毫无办法。除非遭遇重大事故，比如瘫痪了失去工作能力，或者急需大笔医疗费，否则只能认命。

Mr.Yuan

你不买保险就是了

yayaer

fangfang1 发表于 2016-4-13 14:12
Severe financial hardship

To release benefits under severe financial hardship you need to be satisf ...

请问在哪可以查到信息? 是否一定要成立trust才可以把super提取出来?谢谢?

tortle

ING super

whoisit

fangfang1 发表于 2016-4-13 14:12
Severe financial hardship

To release benefits under severe financial hardship you need to be satisf ...

这些我已经研究过来，centerlink说austudy不属于income support payment

garysu

你可以转到收费低的super fund里

财神爷

citizen是取不出来的。

whoisit

财神爷 发表于 2016-4-13 20:59
citizen是取不出来的。

当年PR下来之前应该早点规划取出来的,哎,当年考虑到机票费用等等麻烦事就没想了,结果现在麻烦了

pgltaxation82

Hi,

You can not withdraw your super, harsh penalty.

You can consider transfer to low admin fee super fund. browse around, download withdrawal form to get it done.

Do not do SMSF, you need to pay audit fee and accounting fee and super levy each year, it is not worth doing for 10K.

Kind Regards,

Paul

whoisit

pgltaxation82 发表于 2016-4-14 09:49
Hi,

You can not withdraw your super, harsh penalty.

谢谢回复，但我觉得一定有loophole的吧，可能只有专业人士才知道操作方法，能否给个建议下

pgltaxation82

your so-called super experts charge a high fee, and they are currently enjoying prison meals- fish and chips.

yummychocolate

tortle 发表于 2016-4-13 14:21
ING super

请问有投资收益吗？
我的是30%高风险，30%低风险， 另外还有30%左右CASH。 目前的收益是-2.2%. 就是每年亏钱。

yummychocolate

有人用HOST-PLUS 吗？看么样？

pgltaxation82

yummychocolate 发表于 2016-4-14 09:57
请问有投资收益吗？
我的是30%高风险，30%低风险， 另外还有30%左右CASH。 目前的收益是-2.2%. 就是每年 ...

Hi

If you like to invest your own super money (not withdrwal, but investment in the super), you can consider SMSF,

If need any advice, message.

yummychocolate

pgltaxation82 发表于 2016-4-14 10:09
Hi

If you like to invest your own super money (not withdrwal, but investment in the super), you ...

Thanks, I have only $20000 around in my super, probably not worthy to manage myself.

cjc

全用cash，只是每年损失通货膨胀了。

whoisit

pgltaxation82 发表于 2016-4-14 09:57
your so-called super experts charge a high fee, and they are currently enjoying prison meals- fish a ...

早期法律还没更改时这样做没事,后面改法律了再做就得被抓了
我想一定有其他方式可以取出来吧,比如我看到如果账户低于200就可以取出,那我把super分散到各个super公司,每个低于200,重复操作然后一起取出?或者自己用ABN成立公司或者用朋友的会计公司,从super扣个几千块的管理费一年就可以了,我不介意损失一半,就是不想养那些基金蛀虫.不知道我这些想法时候可行,还望赐教

pgltaxation82

google superannuation withdrwal - financial hardship. It may help, but you may not meet the requirement. good luck.

woshixiaohao

whoisit 发表于 2016-4-14 10:23
早期法律还没更改时这样做没事,后面改法律了再做就得被抓了
我想一定有其他方式可以取出来吧,比如我看到 ...

200一个，不知道澳洲有没有50个super公司
而且要转全转的，还能让你只转200过去？
上面人说了，找个费用便宜点的就是了
如果有这么个方式，super公司不就都倒闭了

LENNY_DONG

yummychocolate 发表于 2016-4-14 10:11
Thanks, I have only $20000 around in my super, probably not worthy to manage myself.

可以先每年工资里面多放进去

多了之后考虑自已管理

upright

woshixiaohao 发表于 2016-4-14 10:37
200一个，不知道澳洲有没有50个super公司
而且要转全转的，还能让你只转200过去？
上面人说了，找个费用 ...

有是有，但只能投資Cash, term deposit, 和super公司自家的產品，自家產品就會收費例如buy/sell spread, investment fee...等。
只是... 以現在的interest rate... 最多追上inflation。

我是有adviser幫我管理，2012到目前平均下是5.89% (扣除保險和所有費用了)，本來可以更好但當初有一個holiday park的fund是我自己投資的，結果liquid了大虧... 所以我相信找個靠譜的或自己認真管理Super其實也沒這麼差。

yummychocolate

LENNY_DONG 发表于 2016-4-14 15:41
可以先每年工资里面多放进去

多了之后考虑自已管理

是的，准备每年放进去1到2万吧。前提是不影响日常生活。

请问如果自管的话， 需要成立公司等吧， 每年费用大约多少？ 只是常识性的问题。 谢谢

pgltaxation82

yummychocolate 发表于 2016-4-14 16:45
是的，准备每年放进去1到2万吧。前提是不影响日常生活。

请问如果自管的话， 需要成立公司等吧， 每年费 ...

Hi,

two kinds, 1 is individual trustee, 2 is corporate trustee.

1 is cheaper to set up than 2. because 2 needs to establish a company as corporate trustee.

if you only focus on stock investment, individual trustee will be ok.

When setting up individual trustee SMSF - cost around $550.
When setting up corporate trustee SMSF - cost around 1100

Annual Cost

Accounting Fee around 1100
Audit Fee around 550
Super Levy around 300

Fee could be higher if it is more complicated and tax restructure consultants are involved.
Above costs are average costs, may vary per tax accountant/agent.

boczqb

whoisit 发表于 2016-4-14 09:54
谢谢回复，但我觉得一定有loophole的吧，可能只有专业人士才知道操作方法，能否给个建议下 ...

鄙视楼主  
"基金公司就是bloody吸血寄生虫".  "目前因为学生津贴不满足harship条件"  ,"所以请教大家特别是税务高手"
"提早取出" "有什么旁门渠道"  "比如成立"  "然后取出来",  "网上搜索一下,发现可以"  
"慢慢取出来"  "具体细节还得请教" "然后慢慢取出来"

yummychocolate

pgltaxation82 发表于 2016-4-14 17:00
Hi,

two kinds, 1 is individual trustee, 2 is corporate trustee.

Many thanks

boczqb

鄙视楼主, 重要的事情说三遍: 没门 没门 没门