老婆的养老金目前有3900澳元，我现在可以给她养老金7千澳元，然后可以提取1万澳元出来吗？我们自己公司。

easyuser

楼主的现在的做法是illegally early access to super.
ATO有明文规定可以提前支取的条件。其中一条是收入降低20%，如果你们公司工资照发的情况是不满足提前支取的条件的。

always_pig

搭楼请教一下大家：公司三月stood down，现在不能工作在家呢. 现在公司发job keeper的钱和再申请提取一些自己攒的年假当收入，这种情况下可以领取super吗？这属于working hour 减少吗？公司不营业这都没有working hour呀.

Ngshun

always_pig 发表于 2020-5-2 22:42
搭楼请教一下大家：公司三月stood down，现在不能工作在家呢. 现在公司发job keeper的钱和再申请提取一些自 ...

请自己查一下tax office website, 提取super fund很多是自顧人仕的、你拿的是job keeper, 不是job seeker, 所以你不能取的

Citizens and permanent residents of Australia and New Zealand

To be eligible for early release of super, a citizen or permanent resident of Australia and New Zealand must be in one of the following circumstances:

You are unemployed.
You are eligible to receive one of the following  
jobseeker payment
youth allowance for jobseekers (unless you are undertaking full-time study or are a new apprentice)
parenting payment (which includes the single and partnered payments)
special benefit
farm household allowance.

On or after 1 January 2020 either  
you were made redundant
your working hours were reduced by 20% or more (including to zero)
you were a sole trader and your business was suspended or there was a reduction in turnover of 20% or more.

always_pig

Ngshun 发表于 2020-5-2 23:05
请自己查一下tax office website, 提取super fund很多是自顧人仕的、你拿的是job keeper, 不是job seeker ...

感谢您这么详细的解答！

南国春天

知道楼主是想减少正常税收。但如果被ATO查到很难JUSTIFY，既然能往SUPER里面打钱，就不算FINANCIAL DIFFICULTY。省的也没多少，算了。

pinkfun

直接提3900就好了，除非你老婆的收入足够高，你给她多存的养老金她可以claim tax deduction。你手里的钱是after tax的，再存进去养老金也要再交一点tax只是比较少。看你老婆的养老金知道她收入应该挺低的，你这样是做是亏了

sam4587

借楼再请教一下，如果之前在澳洲工作也有积累super，现在是回中国在中国工作中，现在中国的工作还没失业，是不是也不能申请我澳洲的super early release 呢？  现在还是澳洲护照状态。

freeD

楼主的几个帖子，有点难理解，不停地想转空子，但是又舍不得请会计师帮忙出谋划策。不知道楼主这种情况，在这次疫情中，能否拿到补助？

黑眼圈

本着严谨的态度，和老婆一起坐下来拿支笔算一下，进多少，出多少，到底省了多少税，就知道了。如果自己不会算，和会计师约个时间，学一下，终身受益。