请高人讲讲 Transition to retirement strategy

中国人

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。

中国人

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？

浮云云艾米莉

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Concessional (before-tax) contributions, those made from income before you paid tax on it, are taxable when withdrawn from your super account.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

***************

Date of birth
Preservation age
Before 1 July 1960
55
1 July 1960 – 30 June 1961
56
1 July 1961 – 30 June 1962
57
1 July 1962 – 30 June 1963
58
1 July 1963 – 30 June 1964
59
From 1 July 1964
60