关于养老金的碎碎念

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大字阅读 ||  ||  ||  关注楼主新动态 || 老样子声明在先: 该帖子不针对任何人. 养老金这个话题, 可以说是一百个人就有一百个说法, 我为什么从来不写关于养老金的话题, 就是因为法令的朝令夕改, 实在不便于给出一个常规的信息帖, 否则园友们在2015年看到我2014年写的帖子就罪过了. 我在这里写一个笼统的介绍, cover一些常见的问题, 其余的深入探究, 请各位网友自行咨询Financial Planner / Adviser, 切记一定要是Certified而不是Qualified, Certified表示此人可以提供服务, 而Qualified只代表此人有一个FP的degree或者类似学历, 但是不可以提供专业服务. 这是法律上规定的 - 也就是说, 如果您身边哪位亲戚自认为非常懂这个, 然后指导说您可以这样那样, 并且您听从了了他/她的分析继而做出不正确的选择的话, 他/她是不负法律责任的, 您需要为自己的疏忽买单. 一贯的老米帖, 英文中文各一半, 中文代表大众信息, 英文则是法律原文 - 以防断章取义 第一点, 是养老金的三种类别 1. **Preserved benefits -** 这是您在1999年6月30日之后所做的contribution和养老金投资收益 相关律令: If any of your superannuation is a preserved benefit, then it will remain preserved until you meet a condition of release with no cashing restrictions (e.g. permanent retirement after preservation age). All of your superannuation then becomes an unrestricted non-preserved benefit. Any contributions to your superannuation (whether by you or your employer) are preserved and therefore increase your preserved benefit. Any increase in the value of your superannuation (due to investment performance) increases your preserved benefit. If you have not yet retired (met a condition of release), then all of your superannuation is preserved unless, for one reason or another, you have some superannuation which is restricted non-preserved or unrestricted non-preserved. The rest is preserved. 2. **Restricted non-preserved benefits** - 这是您在1983年7月1日到1999年6月30日之间所做的contribution和养老金投资收益 相关律令 : You cannot usually withdraw any superannuation which is restricted non-preserved (see below for more information). __This is the least common type of benefit.__ When new superannuation rules came into effect on 1 July 1999, you may have ended up with a restricted non-preserved benefit.  __If you donot have any superannuation which is restricted non-preserved now, then you will never have any__. If you do have superannuation which is restricted non-preserved, then the amount of your restricted non-preserved benefit can either stay the same or decrease, but it cannot increase. **__As this benefit is non-preserved, you may be able to access this benefit before you reach preservation age. For example, if you stop working for an employer who has contributed to your superannuation fund, then you are able to access your restricted non-preserved benefit.__** (这就是为什么我没有说良宵叔有错的缘故, 因为如果该taxpayer的确有这类养老金benefit的话, 是可以要求偿付的, 诸位园友可能会泄气, 但是对事不对人, 这个super benefit如今拥有的人已经很少了, 良宵叔过来得早, 他知道这个环节并不奇怪) Otherwise, if you meet a condition of release with no cashing restrictions (e.g. permanent retirement after preservation age), then your restricted non-preserved benefit becomes an unrestricted non-preserved benefit. Note that this is the same process as for a preserved benefit. In other words, if you meet a condition of release such as permanent retirement after preservation age, then your preserved and restricted non-preserved benefits become an unrestricted non-preserved benefit. <span style="font-family: arial,helvetica,sans-serif;"><span style="background-color: rgba(255,255,255,0);">3. **Unrestricted non-preserved benefits** - 您在任何时期向养老金单位做的contribution, 无限定条件, 具体数目请咨询养老金单位 相关律令 : __You can withdraw any superannuation which is unrestricted non-preserved at any time.__ <span style="font-family: arial,helvetica,sans-serif;"><span style="background-color: rgba(255,255,255,0);">__When you meet a condition of release such as permanent retirement after preservation age, all your superannuation becomes an unrestricted non-preserved benefit. In other words, any superannuation which is preserved or restricted non-preserved becomes unrestricted non-preserved.__ <span style="font-family: arial,helvetica,sans-serif;"><span style="background-color: rgba(255,255,255,0);">If you have not met a condition of release (e.g. you may be 53 years old and still working), then it is possible that some of your superannuation is an unrestricted non-preserved benefit. If your superannuation statement shows an unrestricted non-preserved benefit, then this stems from the rules which came into effect on 1 July 1999. <span style="font-family: arial,helvetica,sans-serif;"><span style="background-color: rgba(255,255,255,0);"> If some of your superannuation is unrestricted non-preserved and you have not met a condition of release (e.g. you may be 53 years old and still working), then the unrestricted non-preserved amount can stay the same or decrease, but it cannot increase. The only way your unrestricted non-preserved benefit can increase is if you meet a condition of release. For example, if you turn 55 (the current preservation age) and permanently retire (a condition of release), then all of your superannuation becomes unrestricted non-preserved. 第二点, 是何时, 或者何种情况下才能申请养老金偿付 1. 满足Preserved Age "并且" 退休 (一定要强调这个并且, 有些人以为退休就可以拿养老金了, 问题就是年龄是个参考) 2. 满足Preserved Age但是还未完全退休, 然而养老金单位已经开始发放Pension, 该Pension被标记为"Transition to Retirement Income Stream", 也就是我们所说的待退休补贴 3. 年满65岁, 无所谓退休或者待退休与否, 您工作了一辈子了, 该歇歇了 4. 未满足Preserved Age, 但是遭遇以下几种情况 (我直接上英文了) compassionate groundssevere financial hardshipterminal medical conditiontemporary incapacitypermanent incapacitytemporary residents leaving Australia permanentlysuper death benefits (inheriting super)super less than $200. 撇开之前提及的**Restricted non-preserved benefits**离职发放, 其余的只有满足了以上几种情况, 您才能向养老金企业要求偿付, 但是这个偿付不是全部 - 而是**Unrestricted non-preserved benefits**, 该benefit到底有多少, 是由您的养老金单位决定的. 差不多就这个情况了, 最后补充一下Perservation Age, 基本上各位园友都是生于1964年7月1日之后的, 那么我们的PA是60岁, 如果园友生于此日期之前, 请留贴我区分告知 有人会问: 养老金偿付上的税是怎么一回事, 这又会是一个千字文, 我留待以后分析. **<span style="background-color: rgba(255,255,255,0);"><span style="font-family: arial,helvetica,sans-serif;">评分完成：已经给 米库 加上 50 银元！ ** <span style="font-family: arial,helvetica,sans-serif;"><span style="background-color: rgba(255,255,255,0);">
 * **<span style="background-color: rgba(255,255,255,0);"><span style="font-family: arial,helvetica,sans-serif;">净化帖: 关于养老金的碎碎念 **|| <span style="font-family: arial,helvetica,sans-serif;"><span style="background-color: rgba(255,255,255,0);">送交者: 米库 [♂布政使★★☆♂] 于 2014-10-28 20:04 已读 2413 次