刚Bpay转了900 voluntary contribution到我的养老金账户

libai0915

能拿到政府的co-contribution也不错，虽然等的时间长一点，但是1000块也不是很多 无所谓了。大家抓紧时间了，6月30好截至。

妮南

一种理财方式。

laureate

什么意思？自己存政府给补吗？

libai0915

是啊 政府会把钱存到你的养老金账户

kyu

good . if you income is lsees than $50 k roughly. you will get gov co-contribution when you make your self contribution, means you contribute $1 to your super, gov will give you $1? or $1.5 .can't  remember....

but you have to be PR .....

老顽童

原帖由 kyu 于 23-5-2008 11:40 发表

                               
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good . if you income is lsees than $50 k roughly. you will get gov co-contribution when you make your self contribution, means you contribute $1 to your super, gov will give you $1? or $1.5 .can't  re ...

再想问下， 打个比方：虽然年薪超过$50k, 但才上班不久的话， 07-08年度只有很少收入，是不是也可存进去1000来得到1500的co-contribution?

憬憬

Super co-contribution calculation (2007-08 income year)
The maximum co-contribution amount that you can receive ($1,500) is reduced by 5 cents for each $1 of your total income over $28,980. The co-contribution phases out completely where your total income is $58,980 or more.

Provided you are entitled to receive the co-contribution, the minimum amount payable is $20.

The formula for calculating the maximum co-contribution amount is:

$1,500 - {[(assessable income + reportable fringe benefits) - $28,980] x 0.05}

The co-contribution payable is the lesser of:

the maximum co-contribution amount; or
the amount of personal superannuation contributions x 1.5.
The co-contribution:

must be preserved in the fund (it can only be accessed when other preserved amounts can be accessed),
is not included as income in your tax return,
will not be subject to any taxation when initially paid to the fund, and
will not be taxed when received as a benefit.

lilychen

可以用CRETID CARD付帐吗?

憬憬

年度收入少于28980，个人每投入一块钱，政府相应投入1.5块钱。个人最多可投入1000块，也就是说政府最多帮你1500块。年度收入超过58980政府不帮任何养老金。收入在这两者之间，按公式算。
注意点为：
1.你的养老基金必须是complying superannuation fund or retirement savings account，这个点可以跟基金确认。
2.个人投入必须是税后收入，不可以是salary sacrifice，不可以是雇主或配偶帮你交的。
3.确保你的基金知道你的税号。
4.确保你的钱在6月底进账，并且基金知道这笔钱是用来co-contribution的（一般会让你填表）。因为基金处理你的钱往往需要时间。