澳洲的税太高啦!

pascal

NewBusi  在 2005-9-16 03:44 PM 发表:

r u?

Think English !

pisces

clur  在 2005-9-16 03:31 PM 发表:

还有一点需要注意的是: 如果你要住养老院了,一定要把房子卖掉,然后把钱转给孩子或者直接把房子转给孩子. 因为进养老院是不能有自己的房子的,如果你有,养老院会帮你卖掉,而且钱还不给你. 更关键的是, 不光钱不给你 ...

那不转给孩子留着自己花行不行？养老院不会知道的吧。。。

休

clur  在 2005-9-16 03:33 PM 发表:

看不清啊,要是能给解释一下就更好了

是一张图,请点击,在新的窗口打开.

老杏

这......不太清楚啊, 好象是要申报个人资产的, 高于多少的不能住. 但你要瞒报应该也可以吧,可是被查出来什么后果就不清楚了

老杏

休  在 2005-9-16 04:03 PM 发表:

是一张图,请点击,在新的窗口打开.

看了,可是还是不太清楚super是不是影响pension啊

休

clur  在 2005-9-16 04:10 PM 发表:

看了,可是还是不太清楚super是不是影响pension啊

那是回答cheere关于退休理财的,这是回答你的.

Assessable income - income which is assessed when claiming a payment from Centrelink.
What income is assessed under the income test?
Examples of assessable income include:

deemed income from financial investments
gross income from earnings, including fringe benefits
net income from businesses, including farms
family trust distributions or dividends from private company shares
net income from rental property
income from boarders and lodgers
superannuation
overseas pensions and income
income from income stream products, such as annuities and allocated products.

http://www.centrelink.gov.au/int ... come_assessable.htm

休

我的理解 income test 所有人是一样的, asset test 有区别.

One of the biggest changes to affect retirement income planning is a tightening of the age pension assets test. From 20 September, only 50% of the super benefit invested in a complying income stream will be exempt from the age pension asset test instead of 100% as previously, which, according to some experts, may make it harder to qualify for the aged pension. This change does not apply to income streams purchased before 20 September 2004.

September 20 also sees the introduction of market-linked income stream products, or growth pensions, which may give retirees the ability to generate higher income than other retirement income products currently available.

Market linked income streams or growth pensions offer the ability to generate higher investment income over a fixed term through investing in a range of assets including shares, property and cash. Because the pension is market linked, the income you receive isn’t guaranteed but is a result of your capital and investment returns.

Complying growth pensions qualify for the 50% assets test exemption and the pension Reasonable Benefit Limit, which is $1,238,440 for the 2004-2005 financial year.

Retirees will be able to choose a fixed term based on their own, or their spouse’s life expectancy, or their life expectancy (or spouse’s life expectancy) as if they were five years younger, reducing the risk of outliving their money.

At the end of the fixed term, there will be no capital left, however if you die before the end of the fixed term the remaining assets can be paid to your beneficiaries or estate. If the term of the pension was based on the life expectancy of a spouse, the pension cannot be commuted until the death of the surviving spouse.

How the introduction of growth pensions and changes to the asset test exemption may affect your retirement planning depends on your individual circumstances and retirement goals. HESTA encourages you to consider seeking professional advice before adjusting your plans.

http://www.hesta.com.au/content. ... p;Level=1;779;1211;

pascal

clur  在 2005-9-16 04:26 PM 发表:

这个我看过了. 但我的理解这里的superannuation说的是公司给你付的super, 而不是super payment. 因为这个income test不是单独针对aged pension的,是所有的centrelink custom. 我前面转的那段话是从examption的部分 ...

Hmmm, tax issues are always complex in Oz, that's why accountants are in high demand there. But I guess super withdrawal or annuites will be part of the income test for aged pension in most cases, though there are exceptions as you stated previously, but they are probably not applicable to most of us. After all, the government wants people to be less dependant on aged pension, that's why it encourages personal super contribution

小灵通

cheers  在 2005-9-16 03:50 PM 发表:

小米和大豆都是俺们种出来的

铁杆农民一个。

老杏

恩,我又看了看clain pension的手册,果然是包括superannuation的.但是如果super是以lump sum的形式取出来,又要交税, 以annuity的会有税收优惠.

以下信息就仅供参考吧:

Assets test

While the family home is not included in the assets test, it does make a difference in the threshold to qualify for a pension because a homeowner does not have any rent to find. If you are a homeowner, you will receive a full pension if your assets are less than $145,250 as a single or less than $206,500 as a couple. Once you reach this threshold then for every $1000 above this amount you will lose $3 off your pension until your assets reach $290,500 at which point you will no longer qualify for a pension. For a couple, the maximum amount of assets to qualify is $447,500.

For non-home owners wanting a full pension, their assets must not be greater than $249,750 for a single and $311,000 for a couple. Beyond this threshold, you lose $3 for every $1000 up to a maximum $395,500 (single)and $552,000 (couple) before you miss out on any government pension payment.

Income stream products are often exempt from being included in the assets test as are pre-paid funeral bonds.

Income test

Income is classified as any earnings from salaries and wages, rent, interest and dividends and any money deemed to have been earned (see "deeming" below). A single person can earn up to $116 a fortnight and a couple up to $204 before they will lose money off their pension. Then there's a 40c cut in the pension for every $1 beyond this figure. The maximum you can earn before you lose your pension entitlement altogether is $1204 a fortnight for a single and $2010.50 a fortnight for a couple.

Deeming

To stop you parking your money in a low-earning bank account to take advantage of the aged pension, the Federal Government introduced "deeming". That is, you will be "deemed" to have earned a certain percentage rate on your assets, whether you have achieved that rate or not when you apply for a pension. Anything you earn above that rate is disregarded for pension purposes. The current deeming rates are 2.5 per cent on the first $34,400 for a single and $57,400 for a couple and 4 per cent for higher amounts.

Deprived assets

In another bid to stop you taking advantage when applying for a pension, you are only allowed to give away $10,000 a year in assets without affecting your entitlements. If you give more than this away, the amount above $10,000 will be included in your assets for a period of five years and deeming rates will apply.

老杏

1. Under the tax rules, if you are over age 55 and take a lump sum, the first part of the taxed element, currently $129,751 (2005-2006 figure) of your lump sum is free of income tax. The remainder of the taxed part is subject to a lump sum eligible termination tax of 15% (plus 1.5% Medicare levy). If however, your lump sum exceeds the lump sum Reasonable Benefit Limit (RBL) amount (currently $648,946 for 2005-2006) the amount over this figure is treated as an excessive benefit and is taxed at the top marginal tax rate (currently 48.5%).


2. If your superannuation benefits exceed the lump sum RBL amount then to receive the maximum taxation concessions at least 50% of your total benefits must be taken as a complying income steam.


3. If you take your benefit as a superannuation pension then the pension payment, less any amount that is regarded as return of capital, is treated as taxable income. If you are over age 55 the pension income will generally receive a 15% tax rebate, depending on the superannuation savings it is related to. For some retirees this rebate, when combined with other tax offsets can result in no income tax being payable.


4. For Age Pension purposes, the purchase price of a superannuation pension purchased before 20 September 2004 is not counted towards the asset test, but the income received may be counted for the income test. For pensions purchased on or after 20 September 2004, up to 50% of the purchase price of the pension may be counted towards the assets test and the income received may also be counted towards the income test.

红宝石小屋

新加坡税这么少？

clovedsm

袋鼠 发表于 2005-9-14 11:37
Depends. I get no benefits in au right now.

In Singapore, I got private health insurance pid by  ...

一般公司给的limit不高 一旦手术什么的大病自己付很多 要好的还是要自己额外买 而且这个费用和岁数成正比 年纪大了保险费会很高。如果有慢性病投保 费用也会很高。还有重病出院后后期治疗 住院保险不负责，在新加坡也是负担。再来公司保险不负责妇产科 所以外国女性生小孩在新加坡费用很高 你还要祈祷没有特殊情况早产之类 nicu那种随便几万的bill。你要不要额外买全球保险？生完娃以后childcare一月两千无补贴。当然几十万年薪高管在新加坡肯定是很开心的毕竟税低省下实在的钱。普通人来说税省下的钱你有了娃都让你吐出来。

悉尼小波霸

pascal 发表于 2005-9-16 10:51
if you are over 35 years old, you can contribute to your super by salary sacrifice up to $40000+ (em ...

This is no longer true. Now the concessional super contribution (employer's contribution+employee's contribution) is capped at $25K per annum!

limyae2009

本来想帮阿丝姐问一下楼主是怎么知道新足迹的。结果好家伙，原来是一把洛阳铲，硬把16年前的帖子给挖出了

simohayha

遥远的2005年，我还在读博士。

Wudiying

澳洲的税比国内高很多。

jiuxing

如果自己的business盈利，那怎么claim loss呢？

Meixh

所以要生两个孩子以上，用尽所有公立服务（比如生孩子，孩子上学读公立学校之类的）