TTR account 到年龄了，还在工作话，还暂时不需要动用super来支付生活费等, 一定要开吗？

zl5431

看完觉得不少人真的只适合去买房买房买房

yourock

zl5431 发表于 2024-9-30 22:57
不会算就别用咯.

我是真心求教
能否假设一个案例来说明一下就容易理解一些
比如Paul今年56岁，年薪taxable income10万，super里有余额50万，应该如何做？

pan123au

yourock 发表于 2024-10-1 05:39
我是真心求教
能否假设一个案例来说明一下就容易理解一些
比如Paul今年56岁，年薪taxable income10万，su ...

把每年的3万养老金额度用光，只拿8万睡前工资，2万养老金可以省39%-15%=24%,也就是4800刀一年

摩羯星

到了一定年龄，尽量把养老经做salary sacrifice放满，这个道理不复杂是容易懂的。这个帖子要讨论是：是否有必要到年龄就去开TTR账号？有没有什么其他的tax implication和养老金继续投资方面的限制。如果只是倒手一下，为了后代继承的好处，还要看每年TTR可以取出的限额，到底可以取出的总数是多少。总数额太少的话，就不值得去做了。说实在的，涉及到super 取出这一块，有可能中国移民，靠积累super的，还没到到退休年龄的，从讨论来看，并不是非常清晰。澳洲这边税务设置，我总感觉，给你某个好处，必然会有其他方面的限制。通常会人云亦云，好处会被夸大，如投资房的负扣税。

zl5431

yourock 发表于 2024-10-1 03:39
我是真心求教
能否假设一个案例来说明一下就容易理解一些
比如Paul今年56岁，年薪taxable income10万，su ...

原理说清楚了剩下自己算呗. 算不过来就花钱找fp咯.

摩羯星

yourock 发表于 2024-10-1 05:39
我是真心求教
能否假设一个案例来说明一下就容易理解一些
比如Paul今年56岁，年薪taxable income10万，su ...

56岁的年龄，会建议， 留下生活费外， 尽量把super交满，因为过几年就可以取出来用了， 而且到一定年龄取出来时， super里的投资收益是免税的。

yourock

What age can I start a TTR pension? What does preservation age mean?
You cannot start a TTR arrangement until you reach your ‘preservation age’. The term preservation age means the age which you need to be before you can access the funds in your superannuation account as income (without applying for access due to financial hardship).

This age depends on when you were born and is set by the Australian Government.

The preservation age in Australia, as is listed by the ATO, is:

55 if you were born before 1 July 1960
56 if you were born between 1 July 1960 and 30 June 1961
57 if you were born between 1 July 1961  and 30 June 1962
58 if you were born between 1 July 1962 and 30 June 1963
59 if you were born between 1 July 1963 and 30 June 1964
60 if you were born on or after 1 July 1964.

ygjj

TTR 钱取出， 放房贷帐户， 不是可以省利息吗？