要不要salary sacrifice contribution

qichxi

老婆是457工作签证，税前8.5万澳元/年。每月super 637.50元

但是，考虑到以后如果签证结束回国，ATO对临时签证永久离开澳洲提取养老金有了新的规定，但是看不懂：

How will my payment be taxed?

All super lump sum payments are made up of two components:

a tax-free component, and
a taxable component which includes
an element taxed in the fund
an element untaxed in the fund.
From 1 April 2009, there are new withholding tax rates for these payments. If the application was made on or after 1 April 2009, the new withholding tax rates apply.

These rates are:

0% for the tax-free component
35% for a taxed element of a taxable component
45% for an untaxed element of a taxable component.

在这种情况下，到底Co-contribtion合算不?

一到要报税的时候，才意识到澳洲的税太多了，呵呵

[ 本帖最后由 qichxi 于 2009-6-4 12:16 编辑 ]

qichxi

自己顶

qichxi

再自己顶，From 1 April 2009, there are new withholding tax rates for these payments. If the application was made on or after 1 April 2009, the new withholding tax rates apply.

These rates are:

0% for the tax-free component
35% for a taxed element of a taxable component
45% for an untaxed element of a taxable component.

是什么意思啊？

Artcore

457 Visa and her income, means she is not eligible for government co-contribution.

Artcore

Element untaxed in the fund. No tax has been paid in the hands of the fund. It includes deductions received for life insurance coverage held through the fund and certain super savings from unfunded public-sector super schemes that have not been subject to earnings tax. 这应该很少见.

taxed element of a taxable component, 一般的Contribution and Earnings in SuperFund, 都会给taxed @ 15%, 它们算 taxed element of a taxable component.

如果是零时居民, 永久性地离开澳洲, 可以取出SUPER, 但还要交35%的税(之前是30%), 加上之前的15%, 其实是近50%的税了.

$100 Contribution Income, $85 stay in the fund after being taxed for 15%.

然后再$85x35%=$29.75, 可以取出=$85-$29.75=$55.25

qichxi

那我不co-contribution,就是自己再交一份行吗？比过税上比较少的话

qichxi

公司里很多老外，都是交两份。不知道这样的安排，税务上到底合算否

shuangchao

do you have the spare cash? do you have a home loan you want to pay off or any other debts you want to pay off? or are you saving up to buy your first home. we shouldn't make decision purely based on tax saving without considering any other issues.
co-contribution is good, it encourages people to put more into super, but it may not be appropriate for everyone.

shuangchao

原帖由 shuangchao 于 2009-6-4 11:37 发表
do you have the spare cash? do you have a home loan you want to pay off or any other debts you want to pay off? or are you saving up to buy your first home. we shouldn't make decision purely based on  ...

correction, wrong wording above, i meant normal salary sacrifice contribution, not co-contribution

qichxi

我已经修改了标题。

我有闲钱。除了澳洲股指期货，没有任何投资。。。手上就是现金多。。。

shuangchao

原帖由 qichxi 于 2009-6-4 12:18 发表
我已经修改了标题。

我有闲钱。除了澳洲股指期货，没有任何投资。。。手上就是现金多。。。

if you dont need the money, you don't want to investment in anything else, no debt to pay off.
there is no reason why you shouldn't salary sacrifice as much as you can. however, as Artcore explained previously, due to the nature of some visa, if you are forced to make early withdrawal because you have to leave the country permanently, the tax can be quite significant.

LENNY_DONG

if u want and want to make big money....and u r risk taker....

try margin lending!!!!

haha

qichxi

STS-TAX

我正打算这样，借钱。但是看了一下，银行利息很高，好像是7%

qichxi

其实本来的问这个问题是因为，我光有收入，没有什么消费。

所以一直想弄点什么，减少交税。

如果回国的话，考虑到提取养老金要二次交税，不知道是否是个好主意

LENNY_DONG

it is no good to pay so much tax....
better stay here until 60, haha

qichxi

原帖由 STS-TAX 于 2009-6-5 11:30 发表
it is no good to pay so much tax....
better stay here until 60, haha

汗，那我也要能住到60啊。。。

zuozuo

反正我不觉得把钱放在super里是个好主意，自己完全失去了对这笔钱的控制权。即使住到60岁，那也是很多年以后的事了，除非已接近60，没几年就见到那笔钱了。即使离开澳洲，提出来时，也是扣这扣那，所剩无几。

qichxi

en，还是决定不放了。