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发布时间:2016-04-10  来源:  

 

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???????????????? Age Pension, ???65????????????????? human services ????????????????????????

???? Super (superannuation) ???? Super ?????????????????????????????????????????

??????? Australian Resident ??10??????????????, ????????5??????????10????????Living in Australia??????Australian Resident ??????????? Australia????????? ?????????????????????????????????

???

??56???????2????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????

?????????????????????????????????????????????????????????????????????????????????????????????????

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???????????????????2????2??????????????2???????????????????????????????????????????????????????4???????????????????????????????????????2?????????????2?????? John ?????????????????

????????????????????2??2 ????????????????????????????????????


????????????????????????????????????????

??????Age Pension???????

?????????????? ?Australian Resident???10????
?????????? ?Australian Resident?????????????????10???????????5????????????????
?????????????
???????????????? Partner Allowance, Widow Allowance ?? Widow B Pension, ??
????????????????????????????????Australian Resident ????????, ??????????????????? Australian Resident ????????? Australian Resident ????????????????????????????????????????

??“?????????? ?Australian Resident?”????????????????????????????????????????????

?????????????????????????? ?Australian Resident??

1. ??????????????????????????
2. ??????????????????????????????????????????????????
3. ??????????????????????????????????????
4. ???????????????????
5. ????????????????
6. ?????????????

???5?“???????????????”???????????????3???????????3???????????????????????????????????????????regularly???6????????????????????????????? ?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????Australian Resident???????????????????????????Australian Resident???????????????? Centrelink? Centrelink ??????????????????????Centrelink ??????????????????????????????????????????

????????????????????????????????????????????????????????????????2014?6??????????

http://www.humanservices.gov.au/customer/enablers/deeming

???????????????
http://www.humanservices.gov.au/customer/enablers/assets/#a15

???

???????????????? (Deeming) ????????????$46,600????2%??????????$46,600????3.5%????????

???????10??????????? $46,600 x 2% + ($100,000 - $46,600) x 3.5% = $2,807 ?????????? $2,807??26?? $107.96??????????????????$500???????????? $107.96 + $500 = $607.96


?????????? $156 ???????????? $842.80,
?????????? $156 ????? $1 ?????? 40 ???????????? $607.96???????????? $842.80-($607.96-$156)x0.4 = $662.02
?????????? $1,841.60 ???????????

?????

???Deeming?http://www.humanservices.gov.au/customer/enablers/deeming

The first $79,600 of your and your partner's financial investments is deemed to earn income at 2% per annum and any amount over that is deemed to earn income at 3.5% per annum.

?????? $79,600 ????2%?????????? $79,600 ????3.5%????????

??????????? $276 ??????????????????? $1,270.60,
??????????? $276 ????? $1 ?????? 40 ??
??????????? $2,817.20 ???????????

??????

?????????????????????????24.5????????????????????216??????????????2015?1????

???????????????????????1??????????????? 10,000? x 12?? / 26??? = 4,615? / ?? 5 = $923?????????????????????? $1,270.6 - ?$923-$276?x 0.4 = $1,011.80

??????10???????????????????1???????????????
?????? 10,000? x 12?? / 26??? = 4,615? / ?? 5 = $923?
????? ($79,600 x 2% + ($100,000-$79,600 ) x 3.5%) / 26??? = $88.69
????????? $923+$88.69= $1,011.69
????????????????????? $1,270.6 - ?$1,011.69 - $276?x 0.4 = $976.32

????:???  http://www.oursteps.com.au/bbs/portal.php?mod=article&aid=857356

 

 

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