转 退税计划

hku1216

现在列一下一些基本的退税计划。。。希望大家有所帮助。。。

1 如果有收入比较低的配偶（可以是同居女友），可以考虑给他、她的个人养老保险金里面放钱，可以为自己多退回高达$540的个人所得税

2 税前收入超过$75000的纳税人，可以考虑利用salary sacrifice往自己的养老保险里面放钱来降低自己的个人所得税（要和老板商量，这个同样可以用来贷款买车，很有好处，减税买车又低，还可以拿回GST）

3 税前收入低于$28000的纳税人，可以考虑往自己的养老保险里面存入 $1000，享受政府补贴，补贴额度可达$1500， 如果更高的话，补贴会变小，计算方式看下面的公式），最高不可以超过58000。。。

4 如果有Capital Gain, 可以考虑卖掉一些不会轻易赚钱的投资（例如股票），用来抵消这部分收入

5 如果想卖掉股票或者其他投资，可以考虑在6月20号之后卖，这样就可以把这部分盈利的所得税推迟到下一个财政年度

6 如果有投资房产和股票一些增值的财产，尽量持有超过12个月，这样就可以享受50%的盈利折扣，降低收入，当然个别情况可以再打5折。。。这个镇对象小型生意商家。

7 如果有投资贷款或者有收入保险，可以考虑在6月30号之前付掉，用来抵消收入现在开始。

hku1216

请先大家看一下下面这段话,

If you pay tax on less than $58,980 a year and make an after-tax voluntary contribution to super, you may be eligible for the Government Co-contribution.



If you are eligible and within certain limits, for every dollar you put into your superannuation account, the Government will contribute up to $1.50, with a maximum co-contribution of $1,500.



The maximum co-contribution applies to people who earn $28,980 or less in a year and have made a contribution of at least $1,000 from their after-tax pay. It reduces by 5 cents for every dollar you earn over $28,980, phasing out completely once your income reaches $58,980.

Here's how to boost your super. Simply follow three steps (the following table uses a selection of income amounts):
Step 1 Step 2 Step 3
IF MY INCOME IS: THE MAXIMUM GOVERNMENT CO-CONTRIBUTION I CAN RECEIVE IS : TO RECEIVE THE MAXIMUM, I NEED TO MAKE A VOLUNTARY (AFTER-TAX) CONTRIBUTION BY 30 JUNE OF:
$28,980 or less $1,500 $1,000
$35,980 $1,150 $767
$40,980 $900 $600
$45,980 $650 $433
$50,980 $400 $267
$55,980 $150 $100
$58,980 $0 n/a

当你养老金的余额达到15000左右,可一考虑自我管理养老金,所需要的费用比交给大公司管理要低得多....最直接的方法是买股票,所赚的部分永远是15%的税率...

算是一种将来的赚钱方式,而上面的英文内容对于现在低收入的人群达到快速的养老金积累很有好处.....

xyliu925

I am in those ranges. What I can do?

dudu1111

关于第一条不太懂啊, "1 如果有收入比较低的配偶（可以是同居女友），可以考虑给他、她的个人养老保险金里面放钱，可以为自己多退回高达$540的个人所得税"

请问给配偶存养老金,和给自己养老金帐户存钱在上税上有什么区别吗? 都是salary sacrifice 吗?
还有多少收入的配偶算是低收入呀?

希望明白的朋友解答啊,谢谢!

Artcore

A taxpayer may be entitled to a tax offset for superannuation contributions made to a complying superannuation fund or RSA on behalf of a low income or non-working spouse (s 290-230). The contribution must be for the purpose of providing superannuation benefits for the spouse (regardless of whether the benefits are payable to the spouse's dependants in the event of the spouse's death).

The maximum rebate for a year of income is $540, based on 18% of maximum rebatable contributions of $3,000. This limit is reduced by $1 for each $1 that the total of the spouse's assessable income and reportable fringe benefits exceeds $10,800. The rebate is not available once this total reaches $13,800. These limits and thresholds are not indexed. Because "assessable income" (not taxable income) and reportable fringe benefits are the measure of a taxpayer's entitlement, the spouse's deduction claims cannot be used to keep the spouse below the offset thresholds.

Contributions made on behalf of a spouse are non-concessional (undeducted) contributions and, when paid by the fund to the spouse as a superannuation benefit, are paid as a tax-free component

Spouse is defined (ITAA97 s 995-1(1)) to mean both a legal and a de facto husband or wife. A de facto spouse is one who lives with the taxpayer on a genuine domestic basis as the husband or wife of the taxpayer.

simonwang

原帖由 hku1216 于 2008-5-20 22:33 发表
现在列一下一些基本的退税计划。。。希望大家有所帮助。。。

1 如果有收入比较低的配偶（可以是同居女友），可以考虑给他、她的个人养老保险金里面放钱，可以为自己多退回高达$540的个人所得税

2 税前收入超过 ...

Salary Sacrifice到自己的养老金，不必达到年收入75000， 其次，是Novated Lease而不是“买”车。

Anihc

:) thanks,

lisacai

vicki

what is "novated lease" means?

老顽童

与LS同问