养老金Deeming rule的问题

HowardHamlin

请教大家，养老金审核收入的时候会用deeming rule来预估在super里的收益.
The first $62,600 of your financial assets has the deemed rate of 0.25% applied. Anything over $62,600 is deemed to earn 2.25%.

那这个预期收益是远远低于银行存款收益的。

那是不是意味着如果我有大笔现金，为了拿pension，宁愿放super而不要放银行？假设interest和super yield差不多？

谢谢

管閒事的路人

沒分別,除非是暫時拿不出來的。能拿age pension 都過得了condition of release,所以沒分別

xieqi324

银行存款应该也是同样的deeming rule

面朝大海3

拿pension要查资产的，super也包含在资产里面。

管閒事的路人

想降低資產的辦法：

1. 花在自住房改善
2. 贈予子女，等幾年

春暖花开2020

答案见 3 楼。

HowardHamlin

xieqi324 发表于 2024-11-18 22:41
银行存款应该也是同样的deeming rule

银行存款是有月利息的呀，真金白银进账户的。也是deeming rule?

xieqi324

https://www.servicesaustralia.gov.au/deeming?context=22526


Deeming is a set of rules used to work out the income created from your financial assets. It assumes these assets earn a set rate of income, no matter what they really earn.

The main types of financial assets are:

savings accounts and term deposits
managed investments, loans and debentures
listed shares and securities
some income streams
some gifts you make.

HowardHamlin

xieqi324 发表于 2024-11-20 19:25
https://www.servicesaustralia.gov.au/deeming?context=22526

thanks mate -

no matter what they really earn.

zl5431

大笔现金放海外。算pension时一般都是asset超标，单纯income超标的少见。