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。
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。
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：
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。
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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