最适合养老的国度 澳洲养老金多达三种!

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。  

关注时事,订阅新闻邮件
本订阅可随时取消
109 评论
  1. InessaKiEt User Says

    coursework master
    coursework psychology
    buy coursework online

  2. Soundeffectsldions User Says
  3. SoundeffectslFeash User Says
  4. RingtonesDumpspick User Says
  5. RingtonesDumpSon User Says
  6. bestringtonessWerce User Says
  7. bestringtonessFut User Says
  8. DinosaurlNug User Says

    dinosaur jumping https://chromedinos.com

  9. Ringtonesgonry User Says
  10. RingtonesFaddy User Says
  11. PennyKiEt User Says

    essay writing assignment help
    essay writer generator
    the help book essay

  12. ChelsaeKiEt User Says

    essay editing services
    what is the best college essay editing service
    essay writing service forum

  13. NaniceKiEt User Says

    essay help online chat
    online essay writers wanted
    top 10 essay writers

  14. Susannah User Says

    coursework writing service uk design technology coursework coursework based coursework or course works

  15. CharitaKiEt User Says

    custom college essay
    college essay services
    cheap custom essay

  16. Carley User Says

    nea coursework history a level coursework in academic writing creative writing coursework ideas coursework notebook

  17. Jaimie User Says

    coursework in english coursework service coursework layout coursework writing service

  18. MerolaKiEt User Says

    buy cheap essays
    essay writing services legal
    what is the best custom essay writing service

  19. MartyKiEt User Says

    professional essay writing services
    writing essays help
    college essay review services

  20. Ashly User Says
  21. Anitra User Says
  22. EasterKiEt User Says

    fast essay writing service
    custom law essays
    help 123 essay

  23. VivieneKiEt User Says

    help writing essays for college
    i need help to write an essay
    admission essay services

  24. Janis User Says

    paper writing service write my philosophy paper college
    paper writing services write my apa paper

  25. CthrineKiEt User Says

    order custom essays online
    the best essay writing service
    custom essay UK

  26. LeilahKiEt User Says

    essay help 123
    write my essay students
    editing essay services

  27. Eleanor User Says

    pay someone to write my paper where to buy resume paper professional paper writer scientific paper writing services

  28. DronaKiEt User Says

    who can help me write an essay
    write my essay website
    essay paper writing service

  29. Samuel User Says

    papers writing service i don’t want to write my paper buy
    custom paper buy papers online

  30. Rudolf User Says

    best paper writing service pay to write papers write my paper for me paper writing services reviews

  31. RhiamonKiEt User Says

    legitimate essay writing service
    academic essay writing help
    essay writers service

  32. AntonieKiEt User Says

    buy custom essays online
    law school essay review service
    english essay writers

  33. TammieKiEt User Says

    custom college essays
    cheap essay services
    essay writing help for high school students

  34. Lavon User Says

    igt free slots free slots cleopatra free ceaser slots games free caesars online casino slots

  35. PennyKiEt User Says

    essay writing services for cheap
    best essay
    live essay help

  36. ChelsaeKiEt User Says

    essay editor service
    help with an essay
    custom essays essay help

  37. NaniceKiEt User Says

    essay proofreading services
    customized essay
    buy essays cheap

  38. CharitaKiEt User Says

    buying essay
    the best essay writing services
    cheap essay papers

  39. AshlenKiEt User Says

    buy cheap essay
    essay writing service online
    community service essay sample

  40. MerolaKiEt User Says

    essay on service to humanity
    essay writing help for high school students
    best writing service reviews

  41. MartyKiEt User Says

    buy an essay paper
    buy argumentative essay
    top essay writing service

  42. DorolisaKiEt User Says

    cheap essay writer
    i need help writing a essay
    essay writer helper

  43. MarrisKiEt User Says

    the help essay on racism
    essay help
    admission essay writing service

  44. JoeteKiEt User Says

    free local dating
    date sites free for men
    best internet dating sites

  45. EachelleKiEt User Says

    find international singles dating
    dating women online
    free site for dating

  46. MaisieKiEt User Says

    personals free
    free dating sites no fees
    single women darling side

  47. JuanitaKiEt User Says

    tender dating site
    skycouger gf
    village ladies totally free

  48. MavisKiEt User Says

    dating online site
    online love dating flash iframe
    plenty of fish login

  49. MarilinKiEt User Says

    gay phone chat meet locals “welcome to the
    fcn gay chat
    free live gay chat rooms

  50. TallouKiEt User Says

    gay smegma chat
    dubuque gay chat
    free gay video chat r

  51. RobenaKiEt User Says

    gay chat men’s room
    easy gay chat
    live gay chat

  52. DeeynKiEt User Says

    gaydar free gay chat
    transcript of a man’s first gay chat
    chat de gay usa

  53. GennieKiEt User Says

    gay bi male text chat
    chat-avenue/gay
    chat wed gay gratis

  54. LettiKiEt User Says

    singles chat
    free and single
    local single women near me

  55. AmataKiEt User Says

    internet casino bonus
    bonus casino no deposit
    mobile casinos

  56. LettiKiEt User Says

    dating sites that are totally free
    plenty of fish login
    dating web site

  57. CasandraKiEt User Says

    play mobile casino
    online casinos
    real money casinos

  58. KarryKiEt User Says

    dating site free online
    single women darling side
    datiing websites

  59. KyrstinKiEt User Says

    free gay adult dating sites
    gay dating online
    memphis gay dating

  60. EmaliaKiEt User Says

    connect singles
    best online meeting websites
    sex dating sights

  61. JeraleeKiEt User Says

    drug friendly gay dating sites
    black gay dating sites
    gay boys in tampa fl dating

  62. DavinaKiEt User Says

    freeadultdating
    meet single women
    sites adult

  63. KaitlynnKiEt User Says

    free dating site for usa
    dating services for seniors
    free date web sites

  64. BertheKiEt User Says

    online dating site crossword
    the best online dating site
    international dating sites

  65. KyrstinKiEt User Says

    most popular dating site gay men
    japan gay dating sites
    best gay dating sites usa

  66. JoannKiEt User Says

    dating free site
    ourtime dating site log in
    date sites

  67. GladiKiEt User Says

    chicago gay dating hotlines free
    gay dating apps for pc
    young gay dating porn video

  68. GwenoreKiEt User Says

    real money casino games
    online casino real money usa
    blackjack real money

  69. SheelaghKiEt User Says

    best vpn for xbox
    best vpn proxy betternet
    best cheap vpn reddit

  70. FifineKiEt User Says

    best casino sites
    casino no deposit
    mobile online casino

  71. FifineKiEt User Says

    betonline casino
    no deposit bonus casinos
    best online casino reviews

  72. KelseyKiEt User Says

    free vpn for netflix reddit
    what is a vpn?
    is vpn free

  73. CarolinKiEt User Says

    free signup bonus no deposit casino
    online casino no deposit
    online casino welcome bonus

  74. AshleighKiEt User Says

    best free vpn for utorrent
    free vpn proxy
    best vpn

  75. FanyaKiEt User Says

    no deposit online casino real money
    casino usa online
    best online casinos for usa players

  76. CarolanKiEt User Says

    welcome bonus no deposit
    no deposit casino games
    american online casinos

  77. JenneeKiEt User Says

    best private vpn
    vpn free reddit
    vpn for firestick

  78. DulceaKiEt User Says

    free casinos bonus
    casino bonuser
    best casinos online

  79. TeddieKiEt User Says

    best personal vpn
    free vpn\
    vpn service usa buy

  80. JaynellKiEt User Says

    real online gambling
    best no deposit bonus
    best casino online

  81. HonorKiEt User Says

    vpn reviews
    vpn for windows free
    what does vpn stand for

  82. TrudieKiEt User Says

    deposit casino bonus
    real casino games online
    safe online casino

  83. LeslieKiEt User Says

    online casino games for real money
    online casinos
    casino no deposit bonus

  84. BobbieKiEt User Says

    best online usa casinos
    casino welcome bonuses
    best casino deposit bonus

  85. PearlKiEt User Says

    best bonus casinos
    mobile casinos for real money
    casino free bonus

  86. FranniKiEt User Says

    no deposit casino bonus
    mobile casino real money
    blackjack payout

  87. LaureenKiEt User Says

    online real casino
    us online casino
    top usa online casinos

  88. DixieKiEt User Says

    online casinos us
    welcome bonus no deposit
    mobile casinos

  89. HestiaKiEt User Says

    doctoral dissertation writing assistance
    dissertation help in delhi
    dissertation format

  90. VerenaKiEt User Says

    mobile slots
    online american casinos
    no deposit casino online

  91. AudreKiEt User Says

    ma dissertation writing service
    ma dissertation writing service
    uk dissertation writing service

  92. ShaylaKiEt User Says

    online casino games real money
    no deposit welcome bonus
    biggest online casino bonuses

  93. HerminaKiEt User Says

    dissertation help methodology
    dissertation writing services uk
    top servis

  94. MabelleKiEt User Says

    dissertation help online
    dissertation writing
    phd dissertation writing service

  95. TandiKiEt User Says

    deposit casino bonus
    [url=”https://1freeslotscasino.com”]casino free money[/url]
    no deposit on line casinos

  96. DarsieKiEt User Says

    what is a dissertation
    doctoral dissertation help history
    writing a dissertation literature review

  97. TandiKiEt User Says

    online casino games for real money
    bonus casino no deposit
    online casinos for us players

  98. SalliKiEt User Says

    edd dissertation topics
    dissertation write
    dissertation proposal methodology example archived

  99. SuzannKiEt User Says

    dissertation titles
    creative writing lindenberg
    writing your dissertation in

  100. GlynnisKiEt User Says

    proposal and dissertation help 3000 words
    buy the help
    cheap dissertation help in los angeles

  101. DortheaKiEt User Says

    dissertation only phd
    professional dissertation help
    dissertation express

  102. AvivaKiEt User Says

    dissertations writing
    buy a dissertation online help
    essay writing services 2019

  103. ChandaKiEt User Says

    writing acknowledgement dissertation
    dissertation data analysis help
    dissertation writing

  104. JoeteKiEt User Says

    thesis dissertation writing
    phd thesis
    get help with dissertation

发表评论

您的邮件地址未经允许不会泄露给第三方。