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先不谈pension后面会怎么削减。
super 60岁开始拿
至2023年，pension从68.5岁开始拿
这8年准备怎么过？ 继续工作？
只有低端白人才会放着政府网站不看，臆断自己以后能靠政府养老。
我研究过一段时间，以下是我的笔记，比较乱，但至少有出处。
我研究完的的决定就是每个月加了500 sacrifice进去，身边比我聪明收入高的同事，只会加得更多。
Pensions and other benefits
If your super benefits won’t fully support you when you retire, you may also qualify for:
• Australian Government support, such as age and service pensions or benefits
• tax offsets.
如果你退休后，super不足以支撑你的生活，你可能可以得到政府养老金，或税务减免
If you’re retired or have turned 60, you may be eligible for some tax offsets. This will depend on your income and assets, where your income comes from, and whether you’re fully or partly retired.
You may be able to claim the:
• Seniors and pensioners tax offset (only available if you qualify for the age pension – from 1 July 2017 the age pension qualification age is 65 years and six months).
65岁后的税务减免
• Low income tax offset.
For more information about government age pensions, concessions and other benefits visit humanservices.gov.au
From <https://www.ato.gov.au/individua ... and-other-benefits/>
Eligibility basics
• reached age pension age
• under the income and assets test limits
• an Australian resident, normally for at least 10 years
From <https://www.humanservices.gov.au ... trelink/age-pension>
Age
• From July 2017
Depending on your birthdate, from 1 July 2017 age pension age will be 65 years and 6 months.
After that, age pension age will go up 6 months every 2 years until 1 July 2023.
If your birthdate is you’ll be old enough at
1 July 1952 to 31 December 1953 65 years and 6 months
1 January 1954 to 30 June 1955 66 years
1 July 1955 to 31 December 1956 66 years and 6 months
From 1 January 1957 67 years
From <https://www.humanservices.gov.au ... e-rules-age-pension>
至此推，至2023年，再涨1.5年，再68.5岁
How long you need to have been a resident
To get Age Pension you need to have been an Australian resident for at least 10 years in total. For at least 5 of these years, there must be no break in your residence.
From <https://www.humanservices.gov.au ... e-rules-age-pension>
10年，至少5年不中断
Income test for pensions
From <https://www.humanservices.gov.au ... ncome-test-pensions>
Standard pension income test (基于收入减少支付pansion)
These are the income rules for most pensioners.
Single person
If your income per fortnight is your pension will reduce by
up to $168 $0
over $168 50 cents for each dollar over $168
按两周计算，
个人，过168刀后，每多一块减少50分
Couple living together or apart due to ill health
If your combined income per fortnight is your combined pension will reduce by
up to $300 $0
over $300 50 cents for each dollar over $300
From <https://www.humanservices.gov.au ... ncome-test-pensions>
按两周计算，
夫妻，过300刀后，每多一刀，减少50分
Cut-off points （收入超过不给钱上限）
If your income in a fortnight goes over the limit you reach the cut off point. This is the point when we pay you $0 for that fortnight.
Your cut off point may be higher if you get Rent Assistance.
All payments may be lower if you don’t live in Australia.
From <https://www.humanservices.gov.au ... ncome-test-pensions>
Your Age Pension cut-off point will be higher if you get the Work Bonus (达到政府退休年龄68.5还在工作)
If you're we can’t pay you when your income reaches
single $1,956.80
a couple living together $2,996.80
a couple living apart due to ill health $3,877.60
From <https://www.humanservices.gov.au ... ncome-test-pensions>
Payment rates for Age Pension
(最多支付)
From <https://www.humanservices.gov.au ... t-rates-age-pension>
We use income and assets tests to work out how much Age Pension you get.
The amounts on this page are the maximum rates.
Normal rates
Per fortnight Single Couple each Couple combined Couple apart due to ill health
Maximum basic rate $814.00 $613.60 $1,227.20 $814.00
Maximum Pension Supplement $66.30 $50.00 $100.00 $66.30
Energy Supplement $14.10 $10.60 $21.20 $14.10
Total $894.40 $674.20 $1,348.40 $894.40
From <https://www.humanservices.gov.au ... t-rates-age-pension>
夫妻一起，$1227.20每两周
From Australian Super
The Age Pension is a regular fortnightly income that helps eligible older Australians pay for basic living expenses. As of 20 September 2017, the maximum that a single person on the pension can receive is up to $23,254 per year. For a couple, it’s $17,529 per year (each).
From <https://www.australiansuper.com/ ... and-the-age-pension>
Income streams
From <https://www.humanservices.gov.au ... lers/income-streams>
Deeming
Deeming rules are used to work out income from your financial assets. We add this to your other income and apply the income test to work out your payment rate.
Deem规则根据你所拥有的资产算出你的年收益。政府会把这加到你的其他收益上，从而计算付给你的养老金
• What it means
• How we work out your deemed income
• Getting a deeming exemption
What it means
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.
Deem计算是政府认为此资产的年收益，而不是实际收益
What financial assets are
The main types are:
• savings accounts and term deposits
存款利息
• managed investments, loans and debentures
投资房收益，其他投资收益
• listed shares and securities
• some income streams
• some gifts you make
How it affects your payments from us
We include any deemed income as your income under the income test. The income test helps us work out how much income support we can pay you.
Deeming doesn’t affect Family Tax Benefit (FTB). This is because any rate of FTB is calculated using your taxable income.
Benefits of deeming
The benefits are that it:
• helps keep your payments steady instead of going up and down based on the performance of your financial assets
• provides an incentive to invest, as any interest rate achieved above the deeming rates doesn’t count as income
• lets you choose the best investments for your needs, not how they may affect your payment
How we work out your deemed income
If you’re single
The first $50,200 of your financial assets has the deemed rate of 1.75% applied. Anything over $50,200 is deemed to earn 3.25%.
个人：50,200才上资产，认为你可得1.75%年收益
50,200以上资产，认为你可得3.25%收益
If you’re a member of a couple and at least one of you get a pension
The first $83,400 of your combined financial assets has the deemed rate of 1.75% applied. Anything over $83,400 is deemed to earn 3.25%.
如果夫妻有一方领取政府养老金
低于$83,400，1.75%年收益 = $1460
多于$83,400，3.25%年收益
If you’re a member of a couple and neither of you get a pension
The first $41,700 of each of your own and your share of joint financial assets has a deemed income of 1.75% per year. Anything over $41,700 is deemed to earn 3.25%.
对于夫妻都没领取政府养老金的
资产41,700以下，认为1.75%年收益
资产41,700才上，认为3.25%年收益
If you earn more than the deemed rates
If your investment return is higher than the deemed rates, the extra amount doesn’t count as your income.
如果你实际赚得更多，不会按实际收入计算deem
Where the deeming rates come from
The Minister for Social Services sets these rates. They reflect expert advice about what the markets are doing.
Getting a deeming exemption
From <https://www.humanservices.gov.au/individuals/enablers/deeming> |
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VCE考99+，来谈一点感想 (Box Hill High) (2011-10-7) elena_sokolova 
发表于 2019-12-27 13:43
发表于 2019-12-27 21:29
