superannuation 账户 的钱能取出来吗?

jialiren

superannuation 账户 的钱能取出来吗?

看看superannuation 账户的钱亏得厉害,能取出来,?

  谢谢!

bluesky999

不能，除非： 1.终身残疾 2.永远离开澳洲。
但可以转个其它Super Fund或Retirement Savings Account.

jialiren

原帖由 bluesky999 于 2008-12-10 22:58 发表
不能，除非： 1.终身残疾 2.永远离开澳洲。
但可以转个其它Super Fund或Retirement Savings Account.

嗨,俺 Super Fund 的钱本来就一点点,今天收到对帐单一看,按照这样亏得速度+手续费用的 给扣下去都快没了, 难道就白白的没了 ?
嗨,目前不太可能离开澳洲.  只能看着变零了

pengwang

可以转成super cash。另外到年终的时候如果super余额不足1000的话，你的super会把一年当中扣你的费用大部分都退回来的，

笨手笨脚

you can also set up self managed super fund.

jialiren

原帖由 笨手笨脚 于 2008-12-11 22:18 发表
you can also set up self managed super fund.

有啥要求?

pengwang

原帖由 jialiren 于 11/12/2008 22:21 发表


有啥要求?

如果没有个十几万以上的话还是别搞了，费时费力，结果并不一定好，而且光是每年的审计就搞死你了。

youderen

目前的情况全部转成现金存款估计还安全点

bluesky999

转到CBA 的Super Savings Account.

pengwang

原帖由 bluesky999 于 11/12/2008 22:35 发表
转到CBA 的Super Savings Account.

呵呵，那还不如转到westpac的bt super for life中的super cash。

kyu

super是一种长期的基金。。一般是按照你买多少unit来看的。。unit的价格降你的基金就亏。。所以如果有一天股市复苏。。会涨回去的。。super是一个几十年的投资。。短期看不出来任何东西的。。。选一个好一点的super就行了

crusader

原帖由 pengwang 于 2008-12-11 22:24 发表

如果没有个十几万以上的话还是别搞了，费时费力，结果并不一定好，而且光是每年的审计就搞死你了。

我正在搞，目前状态：
拿到ABN TFN
银行开了户
Trust Deed 是从网上买来的 $110

想法：
1）与其拿自己的血汗让基金经理们玩，不如自己玩
2）玩得不好，还可以转回去，再交给他们不迟
3）现在也许是机会

遇到的问题：
1）不懂的东西太多
2）是人就想吃你一口

决心：
干中学，学中干，争取少交学费

pengwang

原帖由 crusader 于 15/12/2008 21:14 发表



我正在搞，目前状态：
拿到ABN TFN
银行开了户
Trust Deed 是从网上买来的 $110

想法：
1）与其拿自己的血汗让基金经理们玩，不如自己玩
2）玩得不好，还可以转回去，再交给他们不迟
3）现在也许是机 ...

:si21 我力挺你这样的牛人。回头给大家说说经验，估计坛子里有不少筒子心里痒痒。

bluesky999

还应该有super fund number
trust Deed还要到OSR去Stamp Duty？

原帖由 crusader 于 2008-12-15 21:14 发表

我正在搞，目前状态：
拿到ABN TFN
银行开了户
Trust Deed 是从网上买来的 $110

想法：
1）与其拿自己的血汗让基金经理们玩，不如自己玩
2）玩得不好，还可以转回去，再交给他们不迟
3）现在也许是机 ...

[ 本帖最后由 bluesky999 于 2008-12-15 22:25 编辑 ]

crusader

原帖由 bluesky999 于 2008-12-15 22:24 发表
还应该有super fund number
trust Deed还要到OSR去Stamp Duty？

super fund number已经拿到
Stamp Duty各州政策不一，维州好像不是必须

crusader

原帖由 bluesky999 于 2008-12-15 22:24 发表
还应该有super fund number
trust Deed还要到OSR去Stamp Duty？

super fund number已经拿到
Stamp Duty各州政策不一，维州好像不是必须

jason-zhu

有些super，如果你超过3个月没有工作而停交super的话，手续费就不扣了。具体要看条款，各个不一样的。

oceangoing

原帖由 crusader 于 2008-12-15 21:14 发表



我正在搞，目前状态：
拿到ABN TFN
银行开了户
Trust Deed 是从网上买来的 $110

想法：
1）与其拿自己的血汗让基金经理们玩，不如自己玩
2）玩得不好，还可以转回去，再交给他们不迟
3）现在也许是机 ...

Go GO GO!

Nocturnal

If your fund is dropping in value, its probably better to leave it as it is. Reasoning is that the drop in value has already occurred, if you switch to cash now, you will be realising your loss, also missing any upward movements in the market. Markets will eventually recover (fingers crossed it will be soon enough), and then the value of your super account will recover to its original value.

Nocturnal

I dont know why people would bother with self managed super funds if you have balance less than $200k. If you are not planning to use the funds in super to buy investment property but are actively keeping up with market info, then put you can always switch investment options actively in your super fund to take advantage of the volatility in the markets. A lot of the funds these days has exposure in resources sector, asian markets, some also have gearing options which will gear up your fund balance to 50% at least.

crusader

我的问题是
1）替我们管理养老金的，工资从哪里来的？
2）挺高的工资，照样亏得一塌糊涂，可见这个管理费交的多少有点冤枉
3）既然是长期投资，谁比谁强多少呢？
4）怕麻烦就不移民了

目前进展，已经通知原先基金，将剩下的转至SMSF

vont

原帖由 crusader 于 2008-12-30 20:14 发表
我的问题是
1）替我们管理养老金的，工资从哪里来的？
2）挺高的工资，照样亏得一塌糊涂，可见这个管理费交的多少有点冤枉
3）既然是长期投资，谁比谁强多少呢？
4）怕麻烦就不移民了

目前进展，已经通知原先 ...

厉害，那么到目前为止，为了建这个SMSF，成本是多少呢？以后每年为了维持这个FUND，需要固定多少费用？

crusader

Trust Deed      $110
Software MySF   $374


Accounting    1000
Auditor            1000
Supervisory levy    150
(Maybe less)

[ 本帖最后由 crusader 于 2009-1-2 07:41 编辑 ]

Nocturnal

Lets look at the matter from 2 aspects: Cost and Investment
Cost wise your total cost is $500 once off and $2,000 ongoing.  We do not know how much your balance is so lets assume you have $100,000, then your ongoing cost is already 2% and this does not even include the opportunity cost of the time you spend managing your own fund.  So lets say your hourly income is $30 and you spend 100 a hours a year managing your own money, then thats extra $3000 on top. Therefore $5,000 ongoing cost which equates 5% per year.
Compare this to cost of normal super funds, you can even invest in retail super funds for less than 2% these days.

Investment wise, if you are not planning to buy property with SMSF, then normal super fund is way superior in diversification of assets. Assume you only want to invest in Australian Shares.  How many different companies are you going to buy with $100,000? If you are buying 30 different companies, brokerage will total about $1200, ($20 per trade per company buying and selling), this is on top of all your other costs mentioned above. In comparison, you can diversify across different countries' share markets, invest in hundreds of different companies in normal super funds.

Investment performance wise, you are concentrating too much on the negative returns of this year. If you look at the returns in the last 4 years, all funds has had great returns. sometimes you have to pocket the gains, cant expect the returns to flow forever. thats just common sense.

Funds management is a profession, they need money to feed themselves and their family too, you dont expect them to work for free do you? its the market correcting itself thats causing the negative return, not the profession. Besides, you probably dont know this but fund managers follow strict investment option mandates, so if funds are invested in australian share option, even if they can foresee market falling, they cant liquidate all their position in the fund.

"挺高的工资，照样亏得一塌糊涂，可见这个管理费交的多少有点冤枉" this statement is narrow sighted.  Are you telling people that you have never heard of judges letting go of criminals due to insufficient evidence? You have never heard of doctors following correct procedures but still cant cure a patient or sometimes even causing death? The results alone does not justify the existence of a profession, the need of the society justifies it.

crusader

原帖由 Nocturnal 于 2008-12-31 12:30 发表
Lets look at the matter from 2 aspects: Cost and Investment
Cost wise your total cost is $500 once off and $2,000 ongoing.  We do not know how much your balance is so lets assume you have $100,000,  ...

谢谢你的评论，总体上说，你讲的都有道理。
问题是：1）我的情况并不属于你评论中假设的范围。
2）我也知道基金经理的作用，和应该得到劳动付出相应的报酬。但对于一个就是喜欢DIY并不计较成本的情况，感谢ATO还是给我们一个机会。

vont

原帖由 crusader 于 2008-12-31 07:55 发表
Trust Deed      $110
Software MySF   $374


Accounting    1000
Auditor            1000
(Maybe less)

谢谢。

snow_white

tracychen_2000

读到CPA 的FINANCIAL PLANNING & SUPER 时，书上说没有20万，不建议成立自我管理养老金。

ialienam

先回樓主的問題, 你在過去是投哪些investment option..最主要在厲害的人都不可能一直賺錢. 如果你一虧錢就換 其實你到頭來說不定更虧.
我會先recommend先了解你自己的financial situation, 有一個reasonable expectation, 了解不同的investment代表不同的risk. 然後再好好的決定你應該這樣做. Again, 很多篇有討論到financial planners, 他們會更你不錯的意見 (if you pick the right one of course!)
Government不讓大家亂動super, 就是希望我們以後retire了可以好好照顧自己..要不然大家都靠age pension, 那誰來養government?

我也想回一下上面有關SMSF. 的確...錢要太少真的不太recommend SMSF. 要不然你可以考慮和朋友or family一起組SMSF, 這樣說不定比較划算.
但我想法也和Nocturnal一樣, 如果你不買房其實外面的一般super fund都能做到SMSF的事. 如果你要投managed fund, 那還真不如就買一般的super funds.
前面也有人說到fund managers管不好, 但還是回到前一點 你是投哪些investment option?

你要是賽車手, 不能開個bus去和人加比, 輸了就怪bus差.. 不同的東西有不同的用途. 我會覺得在做SMSF真的找個financial planners聊一聊. Now more competition out there, 越多funds都和SMSF一樣, 價錢也都比以前便宜多了. 很多platform都可以投200多不同investment options. 你今天真的自己做, 你有辦法稿到這多嗎?

今年也legal requirement, accountants現在要做SMSF也要有financial planners的幫助. 要不然很多東西他們也不能做. 我們看過很多accountants就一直叫客人做SMSF以為他們這樣可以賺更多..(奇怪 都沒人罵他們.. 卻一堆人罵financial palnners. 他們更污客人的錢.. 很多時候也沒解釋SMSF的成本.) 最主要你要確定SMSF是有meet legal requirement, 要不然有penalty.

也是佩服Crusader的好學.. 很多人都不願意多去了解自己的super. 以後真發現麻煩 再換回來也ok