Covid 的时候从Superannuation里提前取出过一万澳币。

本财年在税后收入中又放回superannuation一万澳币，准备退税的时候claim tax deduction for concession，这样可以拿回来一部分税金。这么做可以吗？

merry43

应该是可以的。

movludi

ato显然不会让你占着便宜。

https://www.ato.gov.au/Individua ... makearecontribution

Ycm

movludi 发表于 2022-3-26 16:35
ato显然不会让你占着便宜。

https://www.ato.gov.au/Individuals/Super/Growing-your-super/Adding-to-you ...

这个网页说的是，如果某人自己贡献的super如此之多，用光了Concessional contribution cap，然后又超过了non-concessional contributions cap，之后还想贡献的话，可以将COVID early release的super，作为额外的non-concessional contributions cap。
应该不是楼主问的情况。

If you withdrew money from your super fund through the COVID-19 early release of super program, you can rebuild your super by making personal super contributions.

If these contributions mean you might exceed your non-concessional contributions cap, you may be eligible to have them treated as 'COVID-19 re-contributions', which are excluded from the non-concessional contributions cap.

merry43

movludi 发表于 2022-3-26 16:35
ato显然不会让你占着便宜。

https://www.ato.gov.au/Individuals/Super/Growing-your-super/Adding-to-you ...

我已经研究过了。可以的。

merry43

Ycm 发表于 2022-3-26 16:46
这个网页说的是，如果某人自己贡献的super如此之多，用光了Concessional contribution cap，然后又超过了 ...

是的。

movludi

merry43 发表于 2022-3-26 18:55
我已经研究过了。可以的。

看了下Tessa的例子。作为普通personal contribution是可以deductible的 但是subject to concessional cap。记得ato之前要target covid early release withdrawal and recontribution 的tax avoidance scheme。但实际操作起来，也很难执行。