Bonus 放到养老金怎样？

Windmill

这个问题好像以前有人问过。好处是只要交15%的Tax。坏处是这笔钱要几十年后才能用到。

你是怎么想的和做的呢？

ninjasparda

拿现钱

ausox

养老金能跟得上cpi吗?

patricb

Depends on your age ,cash flow, investment options etc......
General speaking, the older you are getting, the more likely you are going to contribute more into Super.
If you're not sure, speak to a financial planner.

Windmill

马上准备要换工作了。Bonus 加上没用的年假差不多18K。平时也没有什么退税的方法。想想要交37%的税，觉得很不爽。

顺便问一下，Financial Planner这么找？收费是多少？

ialienam

對啊~~看情況.
super就只是一個省稅的平台.
就看你年紀和你有沒有要用到這筆錢. e.g. 你明年小孩要上private school, 需要錢, 那放super可能就不適合.

Financial planner - 一般來講有分銀行financial planner (you can find one @ branch).
和獨立的financial planner.

第一次見面都應該不需要錢, 然後再看你要做什東西 再談收費.
收費前一定要把所有費用寫出來.

patricb

原帖由 Windmill 于 2012-5-4 12:29 发表
马上准备要换工作了。Bonus 加上没用的年假差不多18K。平时也没有什么退税的方法。想想要交37%的税，觉得很不爽。

顺便问一下，Financial Planner这么找？收费是多少？

Yes we don't feel good about paying 37% tax, so Super contribution is one of the options.
As mentioned above, you can find a bank planner or independant planner, and most of time, first interview is free.
I'm not making any recommendation here, just my personal opinion. If you're not in late 40s to 50s, it could be too early to put the money in Super. You also need to consider, if you have mortgage then pay it off might be the firt thing to do, as it costs you more that 6%.Or in some cases, you might want to save the money for a deposit to buy investment property in the future.
Really for young people, cash is king and you will have lots of opportunities with the cash in hand, than locked into Super.

[ 本帖最后由 patricb 于 2012-5-4 12:52 编辑 ]

Windmill

原帖由 patricb 于 2012-5-4 12:51 发表

Yes we don't feel good about paying 37% tax, so Super contribution is one of the options.
As mentioned above, you can find a bank planner or independant planner, and most of time, first interview is  ...

Thank for your advise patricb!

I am in my early 30s. I've been doing my own taxes so that I only know a limited number of tax deduction options. I will seriously consider getting advise from an accountant or a financial planner.

I am just interested to know besides making contribution to Super what are there other options people normally adopt to avoid paying income tax legally.

emuoil

原帖由 Windmill 于 2012-5-4 12:59 发表


Thank for your advise patricb!

I am in my early 30s. I've been doing my own taxes so that I only know a limited number of tax deduction options. I will seriously consider getting advise from an acc ...

negative gearing

ialienam

Ya to save tax, seek advice from an accountant.
But if you PAYG, maybe not many options

Negative gearing - NOT A BIG fan of it, too many people mis used it.
As an investment, people need to understand the risks and to MAKE, as not to lose money and claim deduction.
If so, you better off with making donation.

Ya, need to assess personal situatuon, understand your goal first.
Because not every tax/investment strategy is suitable for you.

At the moment, super is indeed the most tax saving vehicle in aus, but may not be suitable for everyone as mentioned above.

patricb

原帖由 Windmill 于 2012-5-4 12:59 发表


Thank for your advise patricb!

I am in my early 30s. I've been doing my own taxes so that I only know a limited number of tax deduction options. I will seriously consider getting advise from an acc ...

You are welcome.
Not many options unfortunately at your age. Negative gearing on buying investment property is another option, however I agree that it's not always as good as it sounds.
You might not agree, but I think sometimes it's not a bad thing to pay a bit more tax, as it means you are getting more money anyway.:)
At the same time, talking to accountant or financial planner is not bad idea, as you need to prepare for the future.

[ 本帖最后由 patricb 于 2012-5-4 14:59 编辑 ]

philongyao

who wants to pay 1M tax every year???

Windmill

原帖由 patricb 于 2012-5-4 14:58 发表

You are welcome.
Not many options unfortunately at your age. Negative gearing on buying investment property is another option, however I agree that it's not always as good as it sounds.
You might not ...

Well said, thank you!

bainite

不要忘了每年super的concessional contribution cap是$25,000，如果超过了这个数税就不是15%了，还是要正常交税的。

兔兔狗

高收入的必放啊   差不少呢  补满2w5被

薛教练

学习中。。。:si21