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[养老金] 请高人讲讲 Transition to retirement strategy

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发表于 31-3-2016 13:22:08 | 显示全部楼层 |阅读模式

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请高人讲讲 Transition to retirement strategy。就是60岁后继续工作,将部分收入salary sacrifice to super ,同时从super中提钱用于日常开销。具体怎样操作最有利。
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 楼主| 发表于 31-3-2016 15:31:44 | 显示全部楼层
我听说60岁后如果还上班就可以将工资一部分sacrifice to super。同时从super 提钱。举个例子:

我如果sacrifice to super $100, 若我最高税率是30%,我到手的钱就少$70。若我同时从super 提钱$70。到手的钱不变,但super里的钱就增加了。具体是: $100 - $15 (super 15%的税)- $70 (提出的钱) = $15 (super 增加部分)

请高人更具体地讲讲,是这样吗?还有什么要点?
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发表于 3-4-2016 20:33:47 | 显示全部楼层
中国人 发表于 31-3-2016 14:31
我听说60岁后如果还上班就可以将工资一部分sacrifice to super。同时从super 提钱。举个例子:

我如果sac ...

我最近正好在帮我爸妈研究这个问题

即使65之前也是可以salary sacrifice to super 的,这个不是问题,每个人都可以

但是eligible for super 以后可以从super 开始拿钱,但是不能一次性拿。只要一边工作一边交super就可以一边拿,每年最多能拿10%

要注意的是salary sacrifice 那部分是要交税的

Concessional (before-tax) contributions, those made from income before you paid tax on it, are taxable when withdrawn from your super account. The types of contributions that are taxable when you withdraw them include:

the super contributions that your employer must make for you
money that you salary sacrifice into super
super contributions that you were allowed to claim a tax deduction for.

https://www.ato.gov.au/Individua ... plies_to_your_super

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