澳洲的税太高啦!

踏遍澳洲

澳洲不是精英社会，是福利社会，所以靠税收

ausken

Hi guys, tax rate is bloody high in australia. However, some sort of salary sacrify is avaliable to reduce our taxes. Because i work for the government, we are provided a salary package to maximise our taxable income. I also heard some private companies are under some salary packages scheme. So, check ur company and find it out.

astina

PUBLIC SECTOR的SALARY SACRIFICE好像要比PRIVATE的好很多的说

ausken

if we just talk about salary sacrify, the public one maybe better than the private sector. But the private companies always provide better salary packages just like higher salary point, faster promotion or even longer holiday. So, it really depends. Anyway, if I want a stable job, I still prefer work for the government.

maya

如果我现在身体健康，没有条件能领任何一项政府的钱，那么我还能享受到什么澳洲的福利？

袋鼠

ausken  在 2005-9-15 09:50 PM 发表:

Hi guys, tax rate is bloody high in australia. However, some sort of salary sacrify is avaliable to reduce our taxes. Because i work for the government, we are provided a salary package to maximise ...

yeah, I once got a job online in Perth. That company is a private company, but provides some scheme to help to use salary sacrify to reduce tax.
Their benefit book says that employees can sacrifies some salary to buy laptop computer, rent car arranged by the firm etc.
Not quite clear about it. It sounds like what you mentioned.

pascal

if you are over 35 years old, you can contribute to your super by salary sacrifice up to $40000+ (employer + your own contribution), and these are taxed at 15%, and you'll pay less tax for the rest of your salary as well.

NewBusi

maya  在 2005-9-15 11:28 PM 发表:

如果我现在身体健康，没有条件能领任何一项政府的钱，那么我还能享受到什么澳洲的福利？

seems no.

I think high tax dump many young ppl going abroad.

袋鼠

pascal  在 2005-9-16 10:51 AM 发表:

if you are over 35 years old, you can contribute to your super by salary sacrifice up to $40000+ (employer + your own contribution), and these are taxed at 15%, and you'll pay less tax for the rest ...

If you get paid from super when your retire, government pays you less pension or even none. Whilest if you don't get super or enough super, government will pay you anyway.

So what is the benefit of contributing to super? I mean althrough you pay less tax this way, you get less pension after retirement.

老杏

super是super, pension是pension啊. super是你自己的钱,政府又不能用. pension是政府给你的钱. 你的super多了,退休以后可以生活的更好啊.

袋鼠

clur  在 2005-9-16 12:01 PM 发表:

super是super, pension是pension啊. super是你自己的钱,政府又不能用. pension是政府给你的钱. 你的super多了,退休以后可以生活的更好啊.

政府的pension是根据你别的收入发的。如果你有别的收入，pension就少了。
难道super的收入不算在内? 即使你每月拿很多super的钱，政府的pension还是照样全部发?

cheers

袋鼠  在 2005-9-16 12:18 PM 发表:

政府的pension是根据你别的收入发的。如果你有别的收入，pension就少了。
难道super的收入不算在内? 即使你每月拿很多super的钱，政府的pension还是照样全部发?

政府的养老金要通过INCOME TEST 和ASSET TEST,具体要求可以在CENTRELINK网站找到.

袋鼠

cheers  在 2005-9-16 12:22 PM 发表:

政府的养老金要通过INCOME TEST 和ASSET TEST,具体要求可以在CENTRELINK网站找到.

does income test include super payment?

pascal

clur  在 2005-9-16 12:01 PM 发表:

So what is the benefit of contributing to super? I mean althrough you pay less tax this way, you get less pension after retirement

Government pension only provides a basic life, plus it is asset tested, meaning if your total asset (house + stock + savings, etc) reaches certain threshold, you will not be able to get any pension even if you don't have any source of income. So if you have a job earning average (or more) salary, you should think of using Super to fund your retirement. Other than the tax benefits Super provides, it is also an investment through managed funds, its value increases overtime.

老杏

For persons who are over 55 and have not been on income support for a cumulative period of 39 weeks since turning age 55, returns from superannuation investments will not be counted unless they make a withdrawal from the investment. (Please Note: From 1 July 2001, no income on withdrawal will be assessed on superannuation investments for persons after reaching the age of 55 years)

老杏

44楼的引用是从哪里来的啊?那句话不是我说的啊

袋鼠

checked centrelink site, if you have income (super should be included), pension will be reduced.

So if you contribute to super, you may get very few or no government pension.

老杏

pascal  在 2005-9-16 12:29 PM 发表:

Government pension only provides a basic life, plus it is asset tested, meaning if your total asset (house + stock + savings, etc) reaches certain threshold, you will not be able to get any pension ...

所以很多人快退休的时候就买个很大的房子,再买辆好车。因为自住房是不算在asset里面的.

袋鼠

clur  在 2005-9-16 12:32 PM 发表:

For persons who are over 55 and have not been on income support for a cumulative period of 39 weeks since turning age 55, returns from superannuation investments will not be counted unless they mak ...

So it means super income is not asssessed for age pension?
You get both government pension plus super payment?

pascal

clur  在 2005-9-16 12:37 PM 发表:

44楼的引用是从哪里来的啊?那句话不是我说的啊

Ah, my apology - the quote is from 袋鼠's

老杏

袋鼠  在 2005-9-16 12:37 PM 发表:

checked centrelink site, if you have income (super should be included), pension will be reduced.

So if you contribute to super, you may get very few or no government pension.

你看的是哪句话啊?别人付给你的super要算收入.不是你自己从自己的super帐户里取钱啊.

cheers

袋鼠  在 2005-9-16 12:24 PM 发表:

does income test include super payment?

自己的SUPER ACCOUNT退休后转成ANNUITIES OR SUPERANNUATION PENSION, 这个收入应该算的吧.

老杏

cheers  在 2005-9-16 12:44 PM 发表:

自己的SUPER ACCOUNT退休后转成ANNUITIES OR SUPERANNUATION PENSION, 这个收入应该算的吧.

好象不算吧

不过好象要交税的说

[ Last edited by clur on 2005-9-16 at 01:08 PM ]

samueljshek

If you ask the PM of Australia, he probably will say:
"It is pre-mature to say that our Tax is too high. We are not amongst the highest taxed country in the world. In terms of tax revenue collected and in comparison with country like the People Repblic of China, I am proud to say that we collect very low amount of tax comparing with China. If your government just collect one RMB per person per day, your Treasurer will collect 474.5 billion RMB per annum net because your government have no social security system like our country!!!"

cheers

clur  在 2005-9-16 01:08 PM 发表:

好象不算吧

不过好象要交税的说

退休的时候你有两种选择,一种是LUMP SUM取出SUPER FUND 里的钱, 还有一种选择就是买成ANNUITIES 或SUPER PENSION, 就是每个月拿钱的那种. 前者税高,后者有税收优惠,具体税率我背不出来了.

拿年金的那种应该算到INCOME TEST 里吧,大概是这么个印象.

cheers

cheers  在 2005-9-16 01:42 PM 发表:

退休的时候你有两种选择,一种是LUMP SUM取出SUPER FUND 里的钱, 还有一种选择就是买成ANNUITIES 或SUPER PENSION, 就是每个月拿钱的那种. 前者税高,后者有税收优惠,具体税率我背不出来了.

拿年金的那种应该算到 ...

哦, 拼命回忆了一下,如果买的ANNUITIES 或SUPER FUND 是从符合规定的机构买的,好象是可以不算在INCOME TEST里的, 如果不符合规定的好象不行. 具体规定很复杂, 所以建议大家退休前或现在就可以找个FINANCIAL PLANNER 讨论以下这方面的安排.

[ Last edited by cheers on 2005-9-16 at 02:30 PM ]

袋鼠

cheers  在 2005-9-16 01:53 PM 发表:

哦, 拼命回忆了一下,如果买的ANNUITIES 或SUPER FUND 是从符合规定的机构买的,是可以不算在INCOME TEST里的, 如果不符合规定的好象不行. 具体规定很复杂, 所以建议大家退休前或现在就可以找个FINANCIAL PLANNER 讨 ...

太麻烦了。还是共产主义好，什么都不用操心。

astina

cheers  在 2005-9-16 01:53 PM 发表:

哦, 拼命回忆了一下,如果买的ANNUITIES 或SUPER FUND 是从符合规定的机构买的,是可以不算在INCOME TEST里的, 如果不符合规定的好象不行. 具体规定很复杂, 所以建议大家退休前或现在就可以找个FINANCIAL PLANNER 讨 ...

晕,什么是符合规定?自己公司的SUPER算吗?用这样一个符合规定的LIST吗?

astina

其实也不用太操心,等我们退休了,不知道政策变成什么样呢

cheers

astina  在 2005-9-16 01:55 PM 发表:

晕,什么是符合规定?自己公司的SUPER算吗?用这样一个符合规定的LIST吗?

是叫COMPLYING PENSION OR ANNUITIES