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各位， 年级大了才移民来澳洲， 我的 SUPER 才16万元左右， 今年收到ATO 发的excess concessional (before tax) super contributions 信。 信里写了2个选项， 如果我的SUPER 总共16万澳币左右，50多岁，打算60岁不工作。 选项1还是选项2 交的总税TAX相对少呀？ 请问选项1是怎么计算呀， 什么情况要交47% 的税呀？ 请问选项 1 中文什么意思呀？ Choose one of the following options for your excess concessional contributions：  Option 1 – Do nothing and leave the excess in your super fund(s)The excess concessional contribution amount will count towards your non-concessional contributions, which also has an annual cap. Your non-concessional contributions cap for a financial year will be nil if you have a total superannuation balance (TSB) of $1,900,000 or more on 30 June of the previous financial year. If you have a TSB of $1,900,000 or more and you do nothing and leave your excess concessional contributions in your super fund, all of your excess amount will be treated as excess non-concessional contributions and you will: need to release your excess non-concessional contributions amount and have the associated earnings included in your assessable income, be taxed at 47% on your excess non-concessional contributions. To find your TSB, log into myGov. If you go over the non-concessional contributions cap, you will receive further information from us. （请问在MYGOV 哪里找到自己的 TBS） Option 2 – Release the excess from your super fund(s)Release up to $12,000 from your super fund(s) (your excess less 15% tax paid by the fund). Any amount you release will be increased by the 15% tax paid by the fund and will no longer count towards your non-concessional (after tax) contributions. |
