有人能说说self-employed怎么买养老金吗

shchc

如题！！！
最近看到很多关于养老金的帖子，觉得自己应该也买个养老金了，不然老了都没保障，不知道self-employed能不能自己买养老金啊，要是每年买1000，政府也会补贴1500吗？所有的养老金公司都可以吗？

各位大虾指点指点啊

luoyi727

可以，满足那个10%的test,至于政府给你多少决定于你收入多少，任何养老金都可以
下面是个例子
Case study: Total income - the base for super co-contribution payment for the self-employed

In the 2007-08 income year Oscar has gross business receipts of $43,000, business deductions of $41,500, and other personal investment income of $15,000. Is Oscar eligible for co-contributions?

For the purposes of the 10% test, total income is not reduced by allowable business deductions.

Oscar would be eligible to receive a co-contribution based on the eligibility criteria under the 10% test because the percentage of his gross total income from employment, carrying on a business or a combination or both is 74%

The 74% figure is calculated as:

Gross business receipts
(Gross business receipts + Other income)

= $43,000 / ($43,000 + $15,000) = 74%

As this percentage is greater than 10% of his total income, Oscar meets the 10% test.

Assuming other criteria have been met, the next step is to calculate the total income for co-contribution threshold purposes. For threshold comparison, total income is reduced by allowable business deductions.

Total income for Oscar for comparison with the lower and higher income thresholds would be calculated as:

(Gross business receipts + Other income) less business deductions

= ($43,000 + $15,000) - $41,500 = $16,500

Oscar has a total income of $16,500 for co-contribution income threshold purposes.

Therefore, Oscar would qualify for the full $1.50 on each $1.00 he contributes to a complying fund (up to a maximum of $1,000) as his total income is under the $28,980 lower income threshold.

shchc

very useful info，thx leo