现在往无收入配偶SUPER里放钱还划算吗?

ozsteps

是不是:
1.存1000 得1500
2.再存3000可退500多的税
3.但现在SUPER赔的很厉害不知划不划算?

谢了

dd2hh

1.存1000 得1500
没有，去年我问过ATO，一定要有income才行，就连银行利息收入都不算。
2.再存3000可退500多的税
看你的收入多少，可以给你扣税，如果你的收入是30%的税率，3k就是900刀

Nocturnal

Your spouse does not have income from work, so if she makes a personal contribution of $1000, she WILL NOT get the government co-contribution.
If you make a spouse contribution, you will get the tax rebate. You should still do it.
If you dont want to see any volatility in super at this time, just invest in cash option for any new contributions you make into super.

ozsteps

第一条不在明白:
是不是要有收入但是低于多少?才能存1000得1500.而且对方还可退税?

janine

want to know too

BOC

必须有上班挣的收入才行，如果你的配偶没有工作是没有资格的

Nocturnal

原帖由 dd2hh 于 2009-3-2 14:13 发表
1.存1000 得1500
没有，去年我问过ATO，一定要有income才行，就连银行利息收入都不算。
2.再存3000可退500多的税
看你的收入多少，可以给你扣税，如果你的收入是30%的税率，3k就是900刀

不完全清楚情况不要随便说。LZ很明显说的是SPOUSE CONTRIBUTION REBATE。
你说的是 DEDUCTIBLE PERSONAL CONTRIBUTION， 根本就是两回事。 而且LZ没有告诉你他是EMPLOYEE OR SELF EMPLOYED， 你怎么知道他可以使用 DEDUCTIBLE PERSONAL CONTRIBUTION

silver

Agree with above. 1 is get contribution directly from govenemnt, 2 is get tax rebate from your partner's tax payable when you parter preparing tax return. The eligibility settings are different two, recommend you search ATO website for detail.

Super investment quite similar as the normal investments from the investment options point of view, got "cash", "term deposite", " managed fund", even "share" and " property" in some situation.

Mandy99

啊？1要有收入才行的啊？那有收入还要这个干嘛啊，我还以为是给无收入的人的补助呢。。。

grace181

原帖由 Mandy99 于 2010-4-7 22:32 发表
啊？1要有收入才行的啊？那有收入还要这个干嘛啊，我还以为是给无收入的人的补助呢。。。

无收入，给你配偶将来存钱啊 你给她存了养老金， 又能拿到税务REBATE, 又可以给配偶存一笔钱，还没有多少税，是很好的一项投资。

bxnswj

请权威人士说一下：无收入的配偶有1500吗？如何操作？这两天还来得及吗？谢谢

bxnswj

http://www.ato.gov.au/super/content.asp?doc=/content/19144.htm


Superannuation spouse contribution tax offset   
        

A tax offset may apply if contributions are made on behalf of your spouse to a:

complying super fund, or
retirement savings account (RSA).
This tax offset applies to contributions made on behalf of non-working or low income-earning spouses, whether married or de facto.

You maybe able to claim an 18% tax offset on super contributions of up to $3,000 you make on behalf of your non-working or low income-earning spouse.

Eligibility
You may be entitled to a tax offset of up to $540 (maximum) each financial year if:

you did not claim a tax deduction for the contributions
both you and your spouse were Australian residents when the contributions were made
at the time of making the contributions you and your spouse were not living separately and apart on a permanent basis, and
the sum of your spouse's assessable income and total reportable fringe benefits amounts for the financial year was less than $13,800, and
the contribution is made to a super fund, the fund must be a complying fund for the income year in which you make the contribution.

yplee

还是不太明白，那就是没有去工作没有收入的人，就不能自己交养老金了吗？

Sially

原帖由 yplee 于 2010-6-25 09:56 发表
还是不太明白，那就是没有去工作没有收入的人，就不能自己交养老金了吗？

如果你自己没有employment 收入的话, 其它income 少于 31,920 (09/10 财年), 可以让配偶打super 到你的super account, 这样就可以有co-contribution 了. 例如存入1000, 政府co-contribution 也是1000 (1:1, maximum 1000). 你的super 帐户里有2000 是不用打税的.

前提条件是: spouse不可以申请spouse tax rebate(这存入的1000 是税后的)
           你要lodge 你的tax return