公司分红百分比利弊

小马蹄

自营公司每年大概二十来万利润。
如果全部dividend发给自己，那样就要有七八万的个人所得税。

如果少拿分红比如拿个五六万那么只需要交6万左右的税，毕竟公司税率只有30%， 相比个税能省出一点。

直观来看留利润在公司能得到一些税务上面的优惠，但本人不是会计，不知道从专业角度来理解这样的操作是否合理？

hwan21

为毛不去问专业的理财师，20万都赚了还要省这么几个小钱吗？

小马蹄

hwan21 发表于 2014-5-1 12:05
为毛不去问专业的理财师，20万都赚了还要省这么几个小钱吗？

每个理财师都有自己独特的见解，放在这里讨论就是为了集思广益

LENNY_DONG

if your company income is not from Personal service income

you can retain the profit, can get dividend plus franking credit up to 80k

then when you retire, start draw dividend slowly and slowly ,maybe pay little tax or no tax mean your company tax will back in terms of franking credit

LENNY_DONG

ALSO Max your super is very good option

ellepopo

You need to have enough franking credit before you pay dividend.
if you are one of the professions, such as GP and solicitor, PSI income need to pay all profit out.

ellepopo

LENNY_DONG 发表于 2014-5-1 12:18
ALSO Max your super is very good option

Maximum super contribution $25K if under 50 years old. not much difference.

小马蹄

ellepopo 发表于 2014-5-1 12:39
Maximum super contribution $25K if under 50 years old. not much difference.

in my early thirties, I am unwilling to pay my super.
25k is something now but it could be nothing after 30 years due to the inflation.

JohnnySu

小马蹄 发表于 2014-5-1 12:42
in my early thirties, I am unwilling to pay my super.
25k is something now but it could be nothin ...

In time the money you invested in super is more likely to grow rather than depreciate.

JohnnySu

You could choose to leave the profit in the company and pay 30% tax but bear in mind that the money belongs to the company not yourself personally. If you want to be able to use that money freely say e.g. to buy a house. Then you will have to declare it on your personal tax return.

ellepopo

小马蹄 发表于 2014-5-1 12:42
in my early thirties, I am unwilling to pay my super.
25k is something now but it could be nothin ...

if you setup your own SMSF, then you can manage your own super/wealth. In long term, super does make money as long as you are not so aggressive.

LENNY_DONG

ellepopo 发表于 2014-5-1 12:39
Maximum super contribution $25K if under 50 years old. not much difference.

我觉得长期来说这是个绝对好处

等你想放的时候未必有时间

花正红

LENNY_DONG 发表于 2014-5-1 16:47
我觉得长期来说这是个绝对好处

等你想放的时候未必有时间

Yes

小马蹄

LENNY_DONG 发表于 2014-5-1 16:47
我觉得长期来说这是个绝对好处

等你想放的时候未必有时间

长期super是必需的。
只是现在正是用钱的时候，买房子，组建家庭，钱放进super短期来看都是死钱

LENNY_DONG

小马蹄 发表于 2014-5-2 09:39
长期super是必需的。
只是现在正是用钱的时候，买房子，组建家庭，钱放进super短期来看都是死钱 ...

THE MONEY YOU RETAIN IN COMPANY CAN NOT FOR PRIVATE USE

UNLESS YOU PAY TAX

THAT IS WHY PUT INTO SUPER

OTHERWISE NO NEED DISCUSS YOUR QUESTIONS

JohnnySu

小马蹄 发表于 2014-5-2 09:39
长期super是必需的。
只是现在正是用钱的时候，买房子，组建家庭，钱放进super短期来看都是死钱 ...

Super要60岁才能免税取出， 以后这个年限可能更高。如果你是年轻的话 我不建议你放太多Super。可以考虑负扣税的投资（譬如是物业或者股票） 如果家人在澳洲的话，家人可以吸收（申报）一部分收入。