澳洲super被直接扣掉15%，税局给我了回复

在澳大利亚税务



我老板给我交那种最低级别的super,concessional (before-tax) contributions .
我的super公司是ING,可是发现钱直接转过去就少了15%。
ING说是税局收的。
于是我就问税局，
1.是不是所有人都收？
2.年底是不是报税可以报回来？

税局的人很负责人的给了我回复，可是看不懂，求懂的人或英语好的人给我解释一下。
1.     The superannuation fund into which the employer pays the employee contribution will be taxed at 15% on the investment income earned.



For most Australians, concessional (before-tax) contributions are hit with a contributions tax of 15 per cent, which means making such contributions is only tax effective if you pay more than 15 cents in the dollar tax on your personal income. The employer claims a tax deduction when making SG contributions or when making contributions under a salary sacrifice arrangement. An individual using a salary sacrificing arrangement benefits tax-wise by paying less tax on the reduced personal income (although the contributions are subject to 15% tax within the fund as mentioned above in the first sentence.



2.     Money paid into the fund by the employer on your behalf (such as under a salary sacrifice arrangement etc) is not able to be claimed by the employee as a personal superannuation deduction in the financial year it is paid (these are called concessional contributions or before tax contributions).



However the non concessional contribution or personal contributions derive from post taxed contributions. These can be claimed as a deduction (equal/ less than your income for the given financial year). Examples are (but not limited to):

personal contributions that you are not allowed, and have not claimed a personal super deduction for;
contributions made by your spouse to your super account on your behalf;
Monies paid to you under the Superannuation Co-Contributions scheme


As another example: Self employed people can claim a personal superannuation deduction given they don’t have an employer to make concessional contributions on their behalf. This allows them to tap into the taxation benefits afforded to those people who do contribute through an employer and who can obtain the concessional benefits.


评论
super本来就要收15%税啊

评论
super也是你的收入，但是只交15%算是很少啦。

评论

All super are taxed at 15 percent, so if you got low income, there is really no benefits at all with super. No you cannot claim that tax back.

评论

谢谢 低收入者不能claim回来 好惨啊

评论
9.5%的super是强制的

评论

现在还只有9.25%，七月才涨到9.5%

评论
super 的收益收15%的税吧

评论
简单地说，老板帮你付的super，你目前是吃不到的。

进了你的 ING super 户口，税局先提走15%。对你目前财政没有多大影响，因为 super 的钱，未到年龄，你是吃不到的。

跟你目前税务状况，鸟无关系，只有一个"看"字。

评论

Qq

评论
没错的
employer contribution属于concessional contribution. 钱进去的时候税是15%
如果是non concessional contribution 譬如说personal after tax contribution 或者government co-contribution 这些进去的时候是不用缴税的。
澳洲中文论坛热点