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澳洲养老基金（SuperannuationFund）在全球排名中稳坐第四的宝座。截至2024年的最新数据，澳洲养老金资金池已经突破了3.5万亿澳币的大关，相较于2018年的27,000亿澳币，实现了显著的增长。这一增长不仅反映了澳洲经济的强劲表现，也体现了澳洲民众对养老金制度的信任和积极参与。 面对如此庞大的养老金资金池，许多澳洲读者可能会好奇：这些养老金与我有什么关系？我能从中获得什么好处？为什么本地的高净值人士、高级白领以及家族办公室都热衷于使用养老金基金？  首先，养老金是澳洲政府为民众退休后提供经济保障的重要制度。通过参与养老金计划，个人可以在工作期间积累资金，以备退休后使用。这些资金在养老金账户中享有税收优惠，是澳洲至今最有效的合法避税工具之一。 为了帮助更多人了解澳洲养老金制度，我整理了以下关于养老金的基础知识。 澳洲的Super是什么？ Superannuation，简称super，是澳洲的养老金制度。与政府的养老福利金Pension不同，super是由个人在工作期间积累的资金池，用于退休后的生活保障。从专业角度看，super是澳洲至今最有效的合法避税工具之一。通过合理规划养老金的缴纳和投资，个人可以在退休后享受更加丰厚的回报。 养老基金的类别 澳洲的养老金结构主要分为三种：团体养老金（Group Super）、个人养老金（Personal Super）和自营养老金（Self-Managed Super Fund, SMSF）。 
养老金与“信托” 在澳洲，养老金都属于信托结构。这意味着养老金资产受到法律保护，即使个人面临破产或债务危机，养老金里的钱也不会被债主追讨。此外，养老金还可以设立受益人，使资产在去世后能够按照个人意愿分配给指定的人。如果受益人属于税法定义的依赖者（如伴侣、子女或相互依赖者），那么这些收益将是免税的。 杺言说 随着澳洲经济的持续发展和人口老龄化的加剧，养老金制度的重要性日益凸显。通过了解养老金的基础知识、选择合适的养老金计划以及合理规划养老金的缴纳和投资，个人可以在退休后享受更加稳定和丰厚的经济保障。因此，建议读者积极关注养老金制度的最新动态和政策变化，以便更好地利用这一独特的金融工具为自己的未来打算。 Australian Superannuation Funds: 4th in the World, LatestFigures to 2024 with In-Depth Analysis Australia's Superannuation Fund (Superannuation Fund) hassecured the fourth spot in the global rankings. As of the latest figures for2024, Australia's superannuation pool has surpassed the A$3.5 trillion mark, asignificant increase from A$2,700 billion in 2018. This growth not onlyreflects the strong performance of the Australian economy, but also the trustand active participation of the Australian public in the pension system. Faced with such a large pool of superannuation funds,many Australian readers may wonder: what do these superannuation funds have todo with me? What benefits can I derive from it? Why are local high net worthindividuals, senior white-collar workers and family offices keen to usesuperannuation funds? First and foremost, superannuation is an important systemfor the Australian government to provide financial security for people inretirement. By participating in a superannuation scheme, individuals canaccumulate funds during their working years for use in retirement. These fundsenjoy tax benefits in superannuation accounts and are by far one of the mosteffective legal tax avoidance tools in Australia. However, not everyone takes full advantage of thissystem. Take my uncle in Australia as an example, he has been living in Australiaas a self-employed person for nearly 30 years, but he has never learned how touse his superannuation to increase his value to avoid tax, buy insurance andother financial knowledge. As a result, there is only a negligible amount inhis pension account. This makes people lament that missing out on the uniquefinancial tool of superannuation means missing out on the opportunity forfinancial security and wealth enhancement after retirement. To help more people understand the Australiansuperannuation system, I have compiled the following basics aboutsuperannuation. What is Super in Australia? Superannuation, or super for short, is Australia'spension system. Unlike Pension, the government's pension benefit, super is apool of money accumulated by an individual during his or her working life forpost-retirement security. From a professional point of view, super is one ofthe most effective legal tax avoidance tools in Australia to date. Throughproper planning of superannuation contributions and investments, individualscan enjoy more lucrative returns after retirement. Categories of superannuation funds There are three main types of superannuation inAustralia: Group Super, Personal Super and Self-Managed Super Fund (SMSF). - Group Super: This is the equivalent of 'economy class' and issuitable for investors seeking stable returns and low-cost management. Thesepensions are usually offered by industry or retail organizations and haverelatively limited investment choices but lower fees. - Personal pensions: The equivalent of 'first class', offering morepersonalized service and investment options. These pensions are usually managedby large financial institutions and investors can choose according to theirrisk appetite and investment objectives. - Self-managed pensions: equivalent to “private jets”, requiring a higher level ofspecialized knowledge and management ability on the part of the investor.Self-managed pensions allow investors to decide on their own investmentdirection and strategy, but they also need to take on more compliance risks andresponsibilities. Pensions and “trusts In Australia, superannuation funds are structured astrusts. This means that pension assets are protected by law, and even if anindividual faces bankruptcy or a debt crisis, the money in the pension will notbe recovered by creditors. In addition, superannuation funds can havebeneficiaries, enabling the assets to be distributed to named people inaccordance with the individual's wishes on death. If the beneficiary is a dependentperson as defined by tax law (e.g. a partner, child or interdependent person)then the gains will be tax free. XinYan Says As the Australian economy continues to grow and thepopulation ages, the superannuation system is becoming increasingly important.By understanding the basics of superannuation, choosing the rightsuperannuation plan and planning for superannuation contributions andinvestments wisely, individuals can enjoy a more stable and lucrative financialsecurity in their retirement years. Readers are therefore advised to pay activeattention to the latest developments and policy changes in the pension systemso as to better utilize this unique financial instrument for their futureplans. —杺言看世界，有你才圆满—    关注美好，关注生活，欢迎关注杺言看世界 陪你一起，看世界 |
