看清你的养老金

blahblah

哇。这都是几年前的文章了。

mitugao

谢谢楼主，不过有个问题：对于没工作收入的人（如：家庭主妇，全职妈妈）能在购买SUPER时能享受政府的co-contributions计划吗？对于这个SUPER的开支能否帮正在工作的配偶增加退税额呢？

strawlll

从ATO转来的：
Eligibility
You will be eligible for the co-contribution if all of the following apply:

you make a personal super contribution by 30 June each year into a complying super fund or RSA and don't claim a deduction for all of it
your total income (less any business deductions – for the 2007–08 and later years) is lower than the higher income threshold
10% or more of your total income is from
for 2006–07 and earlier years – eligible employment
2007–08 and later years – eligible employment, carrying on a business or a combination of both
you are less than 71 years old at the end of the year of income
you do not hold an eligible temporary resident visa at any time during the year, unless you are a New Zealand resident or holder of a prescribed visa
you lodge your income tax return for the relevant financial year.
Your super fund needs your tax file number (TFN) before it can accept your personal contribution or a co-contribution from us.

总的来说，只要你于每年的6月30号前做了个人养老金缴纳应该就可以领到co-contribution了。具体数额得根据你的收入查看表格。




Taking time off work to raise children
If you have a spouse, they can make contributions into your super fund. These contributions will count towards your non-concessional contributions. Spouse contributions currently receive an 18% tax offset on super contributions up to a maximum of $3000 if the eligibility criteria are met. The maximum amount of offset available in a financial year is $540. The super contributions that your spouse puts into your fund will also be tax-free when you withdraw them at retirement.

For your spouse to be eligible to claim the maximum tax offset, you must be earning $10,800 or less in a financial year. A reduced tax offset may be payable if you earn $13,800 or less in a financial year. No offset is available to your spouse if you earn more than $13,800.

You need to provide your Tax File Number to your super fund if your spouse wants to make a contribution into your super fund.

你的丈夫也是有退税方面的优惠的，只要你的收入当年不超过$10,800,就可以收到最大额度$540的退税。如果少于$13,800，则有一个累次减退的退税额度。如果超过$13,800，则无退税。

上面是大概的翻译，如果想知道更详细的，你需要找一位税务会计了。

[ 本帖最后由 strawlll 于 2010-1-12 17:36 编辑 ]

mitugao

谢谢你的热心解答，不过我的英语水平有限，不是太明白。
那么如果我的收入只有银行利息，每年也就不超过1000元，那么我能不能买1000元以上的SUPER呢？如果我把这些收入买了SUPER，是不是能帮我老公退税增加$540?

wslly

怎么享受享受政府的co-contributions计划？具体步骤，流程？谢谢

玉如意

Members of super funds have the luxury of having a long-term horizon, and investments in growth assets such as shares always outperform more conservative investments such as cash deposits and bonds over the long-term.
养老基金的成员具有长期投资的有利条件。投资在股票等成长性资产的回报率通常高于保守型投资，比如现金存款或债券


是指养老金可以存在银行吗？百分之百的比例？