SMSF养老金co-contribution

fyang1024

是不是自己转账到自己的养老金账户，就可以拿到政府的co-contribution?

REEF

原帖由 fyang1024 于 2011-6-6 16:34 发表
是不是自己转账到自己的养老金账户，就可以拿到政府的co-contribution?

拢共分几步：
1. 确定自己是低收入
2 6月30号之前转钱
3 SMSF纪录non-concessional contribution并报告ATO
4 个人报税完毕
5 等

fyang1024

是这样的，我LP低收入，但忘了及时跟她公司Payroll说这个事，下一次养老金要7月初才付（她公司一个月付一次养老金）。去年是公司Payroll在6月份付的。
我们不确定的是自己转帐可不可以替代employer转账？

lujill80

有的SUPER FUND不需要你打电话，他们会根据你的TAX RETURN看出来， 但是你最好是打个电话给SUPER公司告诉他们你的CONTRIBUTION IS FOR GOV. CO-CONTRIBUTION PURPOSE

lujill80

想拿政府co-contribution的，一定要自己付给super fund, employer 付的super 即9% 那个部分is not entitled co-contibution, 除非根雇主说明让雇主从你的工资多拿出来一部分钱交给super作为用于申请co-contribution.

cherryfly

Does anyone know if the total income for the co-contribution is your taxable income or income before tax (gross income)?

ialienam

我覺得樓主搞錯了..拿government co-contribution和你們employer給不給錢沒關...

是要你自己放錢 (personal contriubtion => after tax money, e.g. 你bank中的錢) 所以你們是SMSF?? 如果是一般super fund, 最簡單就是用bpay.. Personal contribution有一個unique code, 放進去後super fund就會知道..等你做好tax return, 11, 12月多govt就會自動轉錢到你super.

It's based on your assessable income:

Assessable income is income before deductions

Deductions for personal super contriubions will reduce taxable income, but will not reduce assessable income.

Salary sacrifice will reduce assessable income; however salary sacrifice super contributions are effectively added back through the inclusion of reportable employer super contributions in the income definitions.

如果樓主income夠低也可以考慮spouse contribution..可以reduce tax bill

blackberry028

请问，你所说的spouse contribution，我是否可以这样理解：我用spouse的钱存到我的super里面作为government co-contribution，同时我的spouse又可以用这个钱去reduce tax bill？不知道对不对

ialienam

不行...這樣是double dipping...
我以前也問過一樣問題, 答案是不行.

一般來說你放錢進super時用Bpay話..不同type of contribution 有不同code
e.g. 123 for employer contribution.
345 for salary sacrifice
567 for personal contribution (after-tax)
789 for spouse contribution.

cherryfly

那Assessable income 就是指gross income喽，我的理解对吗？

ialienam

等一下...你對gross income的定義是??

從ATO website看起來好像不一樣.
http://www.ato.gov.au/corporate/ ... p;page=1#P447_39038

當然有accountant來解說一下最好.

cherryfly

From ATO website:

Assessable income:
Gross income including salary and wages, dividends, interest and rent before any deductions are allowed. Assessable income also includes net capital gains, ETP and other amounts that are not ordinarily classed as income.

Gross income
The total income before business and tax deductions are accounted for.

It seems that Gross income is part of Assessable income.

fyang1024

谢谢各位TZ，明白了
我们是自己管理的养老金，去年刚弄的。
去年我LP让她公司的会计从税后薪水里扣出了1000块放到了我们的养老金。
从各位的意见看，这此她自己从银行账户转到我们的养老金应该没问题。

blackberry028

原帖由 ialienam 于 2011-6-6 22:01 发表
不行...這樣是double dipping...
我以前也問過一樣問題, 答案是不行.

一般來說你放錢進super時用Bpay話..不同type of contribution 有不同code
e.g. 123 for employer contribution.
345 for salary sacrifice
567  ...

非常感谢，可是还不能加分，见谅