最适合养老的国度 澳洲养老金多达三种!

欧阳宇琦
2021-05-07
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澳洲在1909年便已创立了养老制度,经过100年的发展,这个国家的养老制度也越趋完善,养老体系和老龄产业非常发达,可说是个典型的福利社会。(图片来源:Unsplash)

澳洲是个很适合养老的国家,这里的空气清新、环境优美,对已经退休的人士来说,是个安详晚年生活的绝佳地方。再加上这里完善的社会保障与发达的福利制度,也是导致澳洲人的平均寿命达到82岁高龄的主要因素。 

据悉,澳洲在1909年便已创立了养老制度,经过100年的发展,这个国家的养老制度也越趋完善,养老体系和老龄产业非常发达,可说是个典型的福利社会。

老人,下棋
澳洲在1909年便已创立了养老制度,经过100年的发展,这个国家的养老制度也越趋完善,养老体系和老龄产业非常发达,可说是个典型的福利社会。(图片来源:Unsplash)

澳洲的养老金被分为三种, 退休养老金(Superannuation),自行管理养老基金(SMSF),政府养老金(Age Pension)。

退休公积金(Superannuation)

退休公积金也称为“退休金”,是雇主在你工作生涯中为您留出的资金,供您退休后生活所用。如果你存的越多,你退休后就有越多的钱,那么你晚年的生活经费就有了着落。

澳洲钱
退休公积金也称为“退休金”,是雇主在你工作生涯中为您留出的资金,供您退休后生活所用。如果你存的越多,你退休后就有越多的钱。(图片来源:Pixabay)

公积金只在某些情况下才可以提取,例如当你退休时或年满65岁时。

政府养老金(Age Pension)

澳洲的福利体系有提供政府养老金(Age Pension),这是为了保障退休老人保持基本的生活水平,它由Centrelink管理操作。

只有年龄超过66岁,而且已经是澳洲公民长达10年以上才符合补贴标准。十年可以是连续居住,也可以是分段居住,不过其中一段必须是连续住上5年。

此外,还要申请者的收入及资产不超过政府限定的额度才可以领取。养老金每两星期发放一次,因此领取此补贴的人士要约束自己的花费,不要忍不住买买买了!

据悉,近来澳洲政府已推迟退休年龄, 将每2年增加6个月,直到2023年7月1日的退休年龄为67岁。

详细信息如下:

澳洲退休年龄
澳洲退休年龄。(图片来源:网络)

自行管理养老基金(SMSF) 

自行管理养老基金SMSF(Self Managed Super Fund)近几年来在澳洲增长迅猛。根据The Association of Superannuation Funds of Australia(ASFA)的统计,2018年年底它已占了澳洲养老金资产的30%左右。

SMSF允许个人在政府法案规定的限制下,自己管理自己养老金的投资,将来可作为退休用的资金。雇主会每个季度将养老金打到你的自行管理养老金账户,而不是交由第三方独立养老金托管机构来管理投资。 

老人
SMSF允许个人在政府法案规定的限制下,自己管理自己养老金投资,将来可作为退休用的资金。(图片来源:Unsplash)

自行管理养老基金有很大的好处,因为你将拥有掌控养老金的全部权利。你可以做出投资改变,或是投资任何项目,决定权全掌握在自己的手里。  

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