{"id":20935,"date":"2025-11-02T13:54:39","date_gmt":"2025-11-02T03:54:39","guid":{"rendered":"https:\/\/au0061.com\/?p=20935"},"modified":"2025-11-02T13:54:39","modified_gmt":"2025-11-02T03:54:39","slug":"a-complete-guide-to-australian-superannuation-finance-from-pensions-to-government-subsidies","status":"publish","type":"post","link":"https:\/\/au0061.com\/en\/%e6%be%b3%e6%b4%b2%e5%85%bb%e8%80%81%e9%87%91%e8%9e%8d%e5%85%a8%e6%94%bb%e7%95%a5%ef%bc%9a%e4%bb%8e%e9%80%80%e4%bc%91%e9%87%91%e5%88%b0%e6%94%bf%e5%ba%9c%e8%a1%a5%e8%b4%b4%e7%9a%84%e5%ae%8c%e6%95%b4\/","title":{"rendered":"\u6fb3\u6d32\u517b\u8001\u91d1\u878d\u5168\u653b\u7565\uff1a\u4ece\u9000\u4f11\u91d1\u5230\u653f\u5e9c\u8865\u8d34\u7684\u5b8c\u6574\u6307\u5357"},"content":{"rendered":"

\"\u6fb3\u6d32\u517b\u8001\u91d1\u878d\u5168\u653b\u7565\uff1a\u4ece\u9000\u4f11\u91d1\u5230\u653f\u5e9c\u8865\u8d34\u7684\u5b8c\u6574\u6307\u5357\"<\/p>\n

Hello everyone, I am the assistant of Australian Encyclopedia. Recently, some friends asked me about\u6fb3\u6d32\u517b\u8001\u91d1\u878d\u89c4\u5212<\/b>Now I will summarize the relevant issues and hope it will be helpful to those who want to know more.<\/p>\n

\u6fb3\u5927\u5229\u4e9a\u4f5c\u4e3a\u4e00\u4e2a\u9ad8\u798f\u5229\u56fd\u5bb6\uff0c\u5176\u517b\u8001\u4f53\u7cfb\u5728\u5168\u7403\u8303\u56f4\u5185\u4eab\u6709\u76db\u8a89\u3002\u6839\u636e\u6fb3\u5927\u5229\u4e9a\u7edf\u8ba1\u5c40\u6570\u636e\uff0c65\u5c81\u4ee5\u4e0a\u4eba\u53e3\u5360\u603b\u4eba\u53e3\u6bd4\u4f8b\u5df2\u8fbe16%\uff0c\u9884\u8ba1\u52302066\u5e74\u5c06\u5347\u81f321%-23%\u3002\u9762\u5bf9\u65e5\u76ca\u4e25\u5cfb\u7684\u8001\u9f84\u5316\u8d8b\u52bf\uff0c\u6fb3\u6d32\u653f\u5e9c\u5efa\u7acb\u4e86\u4e00\u5957\u6db5\u76d6\u517b\u8001\u91d1\u3001\u9000\u4f11\u91d1\u3001\u653f\u5e9c\u8865\u8d34\u7684\u591a\u5c42\u6b21\u517b\u8001\u4fdd\u969c\u4f53\u7cfb\u3002\u672c\u6587\u5c06\u6df1\u5165\u89e3\u6790\u6fb3\u6d32\u517b\u8001\u7684\u8d44\u91d1\u6765\u6e90\u3001\u6210\u672c\u6784\u6210\u3001\u653f\u7b56\u798f\u5229\u53ca\u5b9e\u7528\u5efa\u8bae\uff0c\u5e2e\u52a9\u60a8\u5168\u65b9\u4f4d\u89c4\u5212\u665a\u5e74\u751f\u6d3b\u3002<\/p>\n

\u6fb3\u6d32\u517b\u8001\u91d1\u4f53\u7cfb\u4e09\u5927\u652f\u67f1\u8be6\u89e3<\/h2>\n

1. \u653f\u5e9c\u517b\u8001\u91d1\uff08Age Pension\uff09<\/b>
\n\u4f5c\u4e3a\u517b\u8001\u4f53\u7cfb\u7684\u57fa\u7840\u4fdd\u969c\uff0cAge Pension\u65e8\u5728\u4e3a\u7b26\u5408\u5c45\u4f4f\u6761\u4ef6\u548c\u6536\u5165\u6d4b\u8bd5\u7684\u8001\u5e74\u4eba\u63d0\u4f9b\u57fa\u672c\u751f\u6d3b\u652f\u6301\u3002\u7533\u8bf7\u4eba\u9700\u6ee1\u8db3\uff1a\u5e74\u6ee167\u5468\u5c81\uff082023\u5e74\u6807\u51c6\uff09\u3001\u7d2f\u8ba1\u5c45\u4f4f\u6ee110\u5e74\u4e14\u8fde\u7eed\u5c45\u4f4f\u6ee15\u5e74\u3002\u5355\u8eab\u4eba\u58eb\u6700\u9ad8\u53ef\u9886\u53d6$1,096.70\/ fortnight\uff0c\u592b\u59bb\u6700\u9ad8\u53ef\u9886\u53d6$1,653.40\/ fortnight\u3002\u9700\u6ce8\u610f\uff0c\u8fd9\u90e8\u5206\u8d44\u91d1\u9700\u901a\u8fc7\u6536\u5165\u6d4b\u8bd5\u548c\u8d44\u4ea7\u6d4b\u8bd5\uff0c\u4e14\u91d1\u989d\u4f1a\u968f\u901a\u80c0\u6307\u6570\u5b9a\u671f\u8c03\u6574\u3002<\/p>\n

2. \u5f3a\u5236\u6027\u9000\u4f11\u91d1\uff08Superannuation\uff09<\/b>
\n\u8fd9\u662f\u6fb3\u6d32\u72ec\u5177\u7279\u8272\u7684\u517b\u8001\u50a8\u84c4\u5236\u5ea6\uff0c\u96c7\u4e3b\u5fc5\u987b\u4e3a\u5458\u5de5\u7f34\u7eb3\u5de5\u8d44\u603b\u989d\u768411%\uff082023\u5e74\u6807\u51c6\uff0c2025\u5e74\u5c06\u5347\u81f312%\uff09\u3002\u6bcf\u4e2a\u5de5\u4f5c\u8005\u90fd\u53ef\u81ea\u4e3b\u9009\u62e9\u9000\u4f11\u57fa\u91d1\u8fdb\u884c\u6295\u8d44\u589e\u503c\uff0c\u9000\u4f11\u65f6\u53ef\u6839\u636e\u9700\u8981\u9009\u62e9\u4e00\u6b21\u6027\u63d0\u53d6\u3001\u5206\u671f\u9886\u53d6\u6216\u8d2d\u4e70\u5e74\u91d1\u3002\u6570\u636e\u663e\u793a\uff0c\u76ee\u524d\u6fb3\u6d32\u4eba\u5e73\u5747\u9000\u4f11\u91d1\u4f59\u989d\u4e3a$15\u4e07\uff0c\u7406\u60f3\u9000\u4f11\u751f\u6d3b\u5efa\u8bae\u50a8\u5907$50-100\u4e07\u3002<\/p>\n

3. \u81ea\u613f\u6027\u50a8\u84c4<\/b>
\n\u5305\u62ec\u623f\u4ea7\u6295\u8d44\u3001\u80a1\u7968\u57fa\u91d1\u3001\u94f6\u884c\u5b58\u6b3e\u7b49\u4e2a\u4eba\u7406\u8d22\u65b9\u5f0f\u3002\u8bb8\u591a\u6fb3\u6d32\u8001\u5e74\u4eba\u4f1a\u901a\u8fc7\"\u4ee5\u5927\u6362\u5c0f\"\uff08\u51fa\u552e\u5927\u623f\u6362\u8d2d\u5c0f\u623f+\u5957\u73b0\u5dee\u4ef7\uff09\u6216\u53cd\u5411\u62b5\u62bc\u8d37\u6b3e\u6765\u8865\u5145\u517b\u8001\u8d44\u91d1\u3002<\/p>\n

\u6fb3\u6d32\u517b\u8001\u6210\u672c\u5168\u89e3\u6790<\/h2>\n

\u6839\u636eASFA\uff08\u6fb3\u6d32\u9000\u4f11\u57fa\u91d1\u534f\u4f1a\uff092023\u5e74\u6570\u636e\uff0c\u7ef4\u6301\u57fa\u672c\u751f\u6d3b\u7684\u5e74\u5ea6\u6210\u672c\u7ea6\u4e3a\uff1a
\n- \u5355\u8eab\u4eba\u58eb\uff1a$31,323\u6fb3\u5143
\n- \u592b\u59bb\u53cc\u65b9\uff1a$44,818\u6fb3\u5143
\n\u8212\u9002\u9000\u4f11\u751f\u6d3b\u7684\u5e74\u5ea6\u6210\u672c\u7ea6\u4e3a\uff1a
\n- \u5355\u8eab\u4eba\u58eb\uff1a$49,462\u6fb3\u5143
\n- \u592b\u59bb\u53cc\u65b9\uff1a$69,691\u6fb3\u5143
\n\u8fd9\u4e9b\u8d39\u7528\u6db5\u76d6\u4f4f\u623f\u3001\u98df\u54c1\u3001\u4ea4\u901a\u3001\u533b\u7597\u4fdd\u5065\u3001\u4f11\u95f2\u5a31\u4e50\u7b49\u5168\u65b9\u4f4d\u5f00\u652f\uff0c\u5176\u4e2d\u4f4f\u623f\u6210\u672c\u5360\u6bd4\u6700\u9ad8\uff08\u7ea630%\uff09\uff0c\u533b\u7597\u62a4\u7406\u6b21\u4e4b\uff08\u7ea615%\uff09\u3002<\/p>\n

\u4e0e\u6fb3\u6d32\u517b\u8001\u91d1\u878d\u76f8\u5173\u7684\u95ee\u9898<\/h2>\n

\u95ee\uff1a\u6d77\u5916\u79fb\u6c11\u5982\u4f55\u7533\u8bf7\u6fb3\u6d32\u517b\u8001\u91d1\uff1f<\/b>
\n\u7b54\uff1a\u9700\u6ee1\u8db3\u5e74\u9f84\u3001\u5c45\u4f4f\u6761\u4ef6\u548c\u6536\u5165\u8d44\u4ea7\u6d4b\u8bd5\u3002\u6301\u6709\u6c38\u4e45\u5c45\u7559\u7b7e\u8bc1\u4e14\u5c45\u4f4f\u6ee110\u5e74\u662f\u57fa\u672c\u8981\u6c42\uff0c\u5176\u4e2d\u81f3\u5c11\u8fde\u7eed\u5c45\u4f4f5\u5e74\u3002\u90e8\u5206\u56fd\u5bb6\u4e0e\u6fb3\u6d32\u7b7e\u8ba2\u793e\u4f1a\u4fdd\u969c\u534f\u8bae\uff08\u5982\u4e2d\u56fd\uff09\uff0c\u53ef\u5408\u5e76\u8ba1\u7b97\u5728\u534f\u8bae\u56fd\u7684\u5c45\u4f4f\u65f6\u95f4\u3002<\/p>\n

\u95ee\uff1a\u9000\u4f11\u91d1\u63d0\u53d6\u6709\u54ea\u4e9b\u7a0e\u52a1\u4f18\u60e0\uff1f<\/b>
\n\u7b54\uff1a60\u5c81\u540e\u63d0\u53d6\u7d2f\u79ef\u9000\u4f11\u91d1\u5b8c\u5168\u514d\u7a0e\uff1b60\u5c81\u524d\u63d0\u53d6\u9700\u6309\u8fb9\u9645\u7a0e\u7387\u7eb3\u7a0e\uff0c\u4f46\u4eab\u6709$215,000\u7684\u514d\u7a0e\u989d\u5ea6\u3002\u9000\u4f11\u91d1\u6295\u8d44\u56de\u62a5\u7a0e\u7387\u4ec5\u4e3a15%\uff0c\u663e\u8457\u4f4e\u4e8e\u4e2a\u4eba\u6240\u5f97\u7a0e\u7387\u3002<\/p>\n

\u95ee\uff1a\u6fb3\u6d32\u6709\u54ea\u4e9b\u9488\u5bf9\u8001\u5e74\u4eba\u7684\u4e13\u9879\u8865\u8d34\uff1f<\/b>
\n\u7b54\uff1a\u4e3b\u8981\u5305\u62ec\uff1a Commonwealth Seniors Health Card\uff08\u836f\u54c1\u8865\u8d34\uff09\u3001\u80fd\u6e90\u8865\u52a9\uff08\u6bcf\u5e74$300-500\uff09\u3001\u4ea4\u901a\u4f18\u60e0\uff08\u534a\u4ef7\u4e58\u8f66\uff09\u3001\u5e02\u653f\u8d39\u51cf\u514d\u7b49\u3002\u5404\u5dde\u8fd8\u6709\u989d\u5916\u8865\u52a9\uff0c\u5982\u65b0\u5dde\u63d0\u4f9b$250\u7684\u521b\u610f\u4ee3\u91d1\u5238\u3002<\/p>\n

\u95ee\uff1a\u7236\u6bcd\u79fb\u6c11\u6fb3\u6d32\u540e\u7684\u517b\u8001\u798f\u5229\u5982\u4f55\uff1f<\/b>
\n\u7b54\uff1a\u901a\u8fc7143\/864\u7b49\u7b7e\u8bc1\u79fb\u6c11\u7684\u7236\u6bcd\uff0c\u9700\u7b49\u5f8510\u5e74\u624d\u80fd\u7533\u8bf7Age Pension\u3002\u5728\u6b64\u671f\u95f4\u53ef\u5148\u7533\u8bf7Senior Health Card\u4eab\u53d7\u90e8\u5206\u533b\u7597\u798f\u5229\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u4e3a\u5b50\u5973\u63d0\u4f9bStudy<\/a>\u673a\u4f1a\u7684\u5bb6\u5ead\uff0c\u5f80\u5f80\u66f4\u65e9\u5f00\u59cb\u89c4\u5212\u8de8\u5883\u517b\u8001\u5b89\u6392\u3002<\/p>\n

\u95ee\uff1a\u6fb3\u6d32\u517b\u8001\u9662\u8d39\u7528\u5982\u4f55\u627f\u62c5\uff1f<\/b>
\n\u7b54\uff1a\u517b\u8001\u9662\u8d39\u7528\u901a\u8fc7\"\u57fa\u672c\u65e5\u8d39+\u6536\u5165\u6d4b\u8bd5\u8d39+\u8d44\u4ea7\u6d4b\u8bd5\u8d39\"\u6784\u6210\u3002\u653f\u5e9c\u63d0\u4f9b\u4f4f\u5bbf\u503a\u5238\u8865\u8d34\uff0c\u4e2a\u4eba\u6700\u9ad8\u81ea\u4ed8\u989d\u4e0d\u8d85\u8fc7$550,000\u3002\u5c45\u5bb6\u517b\u8001\u5957\u9910\uff08Home Care Package\uff09\u8fd8\u53ef\u63d0\u4f9b\u6bcf\u5e74$9,000-$52,000\u4e0d\u7b49\u7684\u670d\u52a1\u989d\u5ea6\u3002<\/p>\n

\u517b\u8001\u89c4\u5212\u5b9e\u7528\u5efa\u8bae<\/h2>\n

1. \u63d0\u524d15\u5e74\u542f\u52a8\u9000\u4f11\u89c4\u5212\uff0c\u5b9a\u671f\u68c0\u67e5\u9000\u4f11\u91d1\u6295\u8d44\u7ec4\u5408
\n2. \u8003\u8651\u8d2d\u4e70\u6295\u8d44\u623f\u4ea7\u5efa\u7acb\u88ab\u52a8\u6536\u5165\u6d41
\n3. \u5229\u7528Salary Sacrifice\u653f\u7b56\u989d\u5916\u7f34\u7eb3\u9000\u4f11\u91d1\uff08\u7a0e\u7387\u4ec515%\uff09
\n4. \u5584\u7528\u653f\u5e9c\u63d0\u4f9b\u7684\u514d\u8d39\u8d22\u52a1\u54a8\u8be2\u670d\u52a1\uff08\u5982Moneysmart.gov.au\uff09
\n5. \u5b9a\u671f\u8bc4\u4f30\u517b\u8001\u4fdd\u9669\u9700\u6c42\uff0c\u7279\u522b\u662f\u91cd\u5927\u75be\u75c5\u9669\u548c\u62a4\u7406\u9669<\/p>\n

\u6fb3\u6d32\u517b\u8001\u4f53\u7cfb\u867d\u7136\u5b8c\u5584\uff0c\u4f46\u9700\u8981\u4e2a\u4eba\u65e9\u505a\u51c6\u5907\u3001\u79ef\u6781\u53c2\u4e0e\u3002\u4ece\u5e74\u8f7b\u65f6\u5c31\u8981\u5efa\u7acb\u5f3a\u5236\u50a8\u84c4\u4e60\u60ef\uff0c\u4e2d\u5e74\u9636\u6bb5\u8981\u4f18\u5316\u8d44\u4ea7\u914d\u7f6e\uff0c\u4e34\u8fd1\u9000\u4f11\u65f6\u9700\u7cbe\u901a\u798f\u5229\u653f\u7b56\u3002\u8bb0\u4f4f\uff0c\u517b\u8001\u89c4\u5212\u4e0d\u4ec5\u662f\u8d22\u52a1\u5b89\u6392\uff0c\u66f4\u662f\u751f\u6d3b\u54c1\u8d28\u7684\u4fdd\u969c\u3002<\/p>\n

Thank you for your reading. I hope this article can help you understand\u6fb3\u6d32\u517b\u8001\u91d1\u878d\u89c4\u5212<\/b>\uff0c\u5982\u679c\u60a8\u6709\u66f4\u591a\u7591\u95ee\uff0c\u6b22\u8fce\u6301\u7eed\u5173\u6ce8\u6211\u4eec\u7684\u6fb3\u6d32\u751f\u6d3b\u767e\u79d1\u7cfb\u5217\u6587\u7ae0\u3002<\/p>\n

Please indicate the source of any reprint:AU6001.COM \u2013 Australia Chinese Encyclopedia<\/a> \u00bb \u6fb3\u6d32\u517b\u8001\u91d1\u878d\u5168\u653b\u7565\uff1a\u4ece\u9000\u4f11\u91d1\u5230\u653f\u5e9c\u8865\u8d34\u7684\u5b8c\u6574\u6307\u5357<\/a><\/p>","protected":false},"excerpt":{"rendered":"

\u5927\u5bb6\u597d\uff0c\u6211\u662f\u6fb3\u6d32\u767e\u79d1\u5c0f\u52a9\u624b\uff0c\u6700\u8fd1\u6709\u5c0f\u4f19\u4f34\u54a8\u8be2\u6211\u5173\u4e8e\u6fb3\u6d32\u517b\u8001\u91d1\u878d\u89c4\u5212\u7684\u95ee\u9898\uff0c\u73b0\u5728\u6211\u5c06\u76f8\u5173\u95ee\u9898\u8fdb\u884c\u603b\u7ed3\uff0c\u5e0c\u671b\u5bf9\u5404\u4f4d\u60f3\u4e86\u89e3\u7684\u5c0f\u4f19\u4f34\u6709\u6240\u5e2e\u52a9\u3002 \u6fb3\u5927\u5229\u4e9a\u4f5c\u4e3a\u4e00\u4e2a\u9ad8\u798f\u5229\u56fd\u5bb6\uff0c\u5176\u517b\u8001\u4f53\u7cfb\u5728\u5168\u7403\u8303\u56f4\u5185\u4eab\u6709\u76db …<\/p>","protected":false},"author":1,"featured_media":20934,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[766],"tags":[65,33404,25253,33405,64],"class_list":["post-20935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-65","tag-33404","tag-25253","tag-33405","tag-64"],"_links":{"self":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts\/20935","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/comments?post=20935"}],"version-history":[{"count":0,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts\/20935\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/media\/20934"}],"wp:attachment":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/media?parent=20935"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/categories?post=20935"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/tags?post=20935"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}