持分求教自交养老金super事宜

mocha185

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？

178078020

mocha185

顶

Ozquest

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,

mocha185

Ozquest 发表于 2016-8-4 13:40
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 ...

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？

Ozquest

mocha185 发表于 2016-8-4 14:10
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 ...

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

cycwong21

Accessing super early: 14 legal ways to withdraw your super benefits

http://www.superguide.com.au/acc ... your-super-benefits

cycwong21

T3 Superannuation contributions on behalf of your spouse 2016

https://www.ato.gov.au/Individua ... f-your-spouse-2016/

kwind

mocha185 发表于 2016-8-4 14:10
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 ...

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。

fallenares

Ozquest 发表于 2016-8-4 13:40
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 ...

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.

Ozquest

fallenares 发表于 2016-8-5 12:46
如果不工作， 拿不到 gov co contribution
--------------------------------------------------------
E ...

-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....

yuxiaoxinran

我觉得楼主有点分不清楚pension和super，需要找一下基本科普文