请教一个自助super投资的问题

matrics

帮我的一个同事请教个自助管理super的问题。
这个同事的工作是contract，打算自己管理super，再用super去买房，然后自己租自己的房子，他想了解这样做是否可行？如果可行的话如何具体操作？
谢谢！

fingerprint

是不可以的。self-managed super就是要保证super里的钱是在退休后才可以受益。但是你现在如果用super的钱买了房子，自己住就是在退休之前提前享受了收益，这是违背ATO对于super的规定的。
除非你的朋友已经到了退休年龄，可以领取super中的钱。
以下是从ATO网站上摘录的。

"It’s your money, but not yet’. This isn’t to say people who set up self managed super funds can’t control their investment. But it is to say that the money is not to be accessed early. The rules governing self managed super funds are designed to ensure your money is an asset building for your retirement.

joaquin

俺觉得理论上没问题
但你在实际操作的时候肯定需要拿出证明你付的租金是合理的……

philgu

You guys haven't touched the biggest hurdle yet.

Super CAN NOT borrow. End of story.

青山75

那super可以用来购买土地么？

matrics

原帖由 philgu 于 2007-5-31 19:31 发表
You guys haven't touched the biggest hurdle yet.

Super CAN NOT borrow. End of story.

应该没这么简单，super fund是可以用来投资的，但是能不能用来买一处具体的地或房，确实是个问题。

philgu

原帖由 matrics 于 2007-5-31 23:27 发表

应该没这么简单，super fund是可以用来投资的，但是能不能用来买一处具体的地或房，确实是个问题。

Are you saying your super can leverage???
The only leveraged instrument super can invest in is installment warrant - as I understand. Of course exclude those complex structure which might be able to in effect borrow.
Mind you, if what you meant was borrow outside of super then contribute into your DIY super. The borrowing is not tax deductible.
U need to be extremely careful when u deal with DIY super. In case, ATO rule your DIY super non-conforming, your DIY super loses all tax concession. You need a DIY super specialist to get advice. All of above, u need to get your facts straight!

[ 本帖最后由 philgu 于 2007-6-1 07:50 编辑 ]

黑山老妖

Philgu is correct. Super generally can not borrow to invest. So unless there is enough money in super to buy a property outright, it will not happen.
The only way to gear into shares/funds is through internal gearing of managed funds.

The other problem is you have to deal in arms length. So you have to prove that your rent is market rate etc etc.

Best not to do it.

philgu

原帖由 黑山老妖 于 2007-6-1 07:48 发表
Philgu is correct. Super generally can not borrow to invest. So unless there is enough money in super to buy a property outright, it will not happen.
The only way to gear into shares/funds is thro ...

You are right. I missed the internally geared mgt fund.

matrics

原帖由 philgu 于 2007-6-1 07:37 发表


Are you saying your super can leverage???
The only leveraged instrument super can invest in is installment warrant - as I understand. Of course exclude those complex structure which might be able to in effect borrow.
Mind you, if what you meant was borrow outside of super then contribute into your DIY super. The borrowing is not tax deductible.
U need to be extremely careful when u deal with DIY super. In case, ATO rule your DIY super non-conforming, your DIY super loses all tax concession. You need a DIY super specialist to get advice. All of above, u need to get your facts straight!

Point taken. I will print out this page and show it to my colleague who is not Chinese.
Thanks guys.

Devil_Star

没错， SUPER除了买GEARED FUND之外， 不能进行任何LEVERAGE的行为。
LZ还没有说同事有多少钱在SUPER里呢， 说不定他有几个MIL在里面，不用担心GEARING的问题呀。

zhengtao

全部放在Super里面好了，如果愿意，可以让他的super fund全部投在房产里面。过了60岁再取出来，一分钱的税都不用交。