I came to Australia in 1983 with about A$20k with me. I worked and paid tax for about 25 years. Now I'm retired with enough savings and assets and do not get any government pension. I'm not super rich but well off enough. I feel proud of my achievements in Australia and quite content. But life will be a lot tougher if you wish to migrate to Australia now. The "golden age" has passed and gone.
Australia’s economy and community development have significantly changed many people’s lives. Twenty years ago, buying a home to live in and sending children to private schools would have been absolutely manageable. However, with high interest rates, rising costs of living, and increased taxes, many businesses are going bankrupt, leaving both workers and management in precarious situations. The pace of life in Australia is getting faster, and making a living is becoming increasingly challenging. Coupled with insufficient welfare support and language barriers, both new immigrants and locals face constant struggles. It’s crucial to think carefully about the reasons for immigrating!
Thank you for the hot money from China...Australia used to rely less than 10% export to China, but now over over 20％. STUPID POLITIANS SOLD OUT AUSTRALIA..
Of course no government pension for people with too high an income or owns too much assets, or hasn't lived in Australia long enough. That's only fair !!!
Working in community and residential aged care, already knows how's the income test assessment even queue so long into home care package and nursing home....
In vancouver bc, Canada, we have much better for retirement. General public gets CPP $800 and OAS $600. If both CPP and OAS is less than $1600 monthly, the guaranteed income supplement kicks in. However, most people get their own RRSP, companies pensions and other savings plus their tax free principal residence. In vancouver, a house is worth more than 1.6 million. 🎉
"澳洲養老生活殘忍" ??? If one has enough assets and enough income, then this person should not be able to claim Centrelink pension. That's only fair. Welfare is paid out for those in need. If one doesn't have enough in Super, then he/she can claim Centrelink pension.
@@arransiu and this: www.dva.gov.au/get-support/financial-support/income-support/what-changes-your-payments/your-property-or-accommodation/how-owning-home-can-affect-pensions-and-payments#:~:text=Back%20to%20top-,Is%20my%20home%20considered%20an%20asset%3F,does%20not%20own%20their%20residence.
以上URL 看到的……. 自住物業不計但會調低limit。看到重點如下： Is my home considered an asset? Your home is not counted as an asset when calculating pension or payment, but it does affect how your pension or payment is assessed under the assets test. If you are a homeowner your asset value limit is lower than someone who does not own their residence.
1. **Short Overseas Holidays**: - Temporary absences from Australia, such as a few weeks for a holiday, typically do not affect your residency status. You can still be considered a resident as long as you maintain your primary home in Australia. 2. **Longer Absences**: - If you are absent from Australia for more than **six weeks** in a row, you may need to provide additional information to show that you still consider Australia your home. Prolonged absences may affect your residency status and eligibility for benefits.
It comes from your own pocket, you're paying average 35% heavy tax plus 2% Medicare levy and and it's still not bill seeing a GP especially the specialist like ENT, dental..... You work hard paying heavy tax to cover those dole bludgers who don't work, life is never fair.
When my parents sold their home, and downgrade, the excess money was invested into blue chip shares (too old to have a super fund). Earning dividends alone was quite good already. I would not qualify for pension, nor do I have any wish to receive the pension as I know how miserable life is if that is all you can live on. My plan approach retirement is to have income from superannuation fund, from rental income, share dividends and also from reduction of working hours but not fully retire.
澳洲是公平的國家。資產高的當然不用養老金也能過上好生活。只要雪中送炭，不用錦上加花。
I came to Australia in 1983 with about A$20k with me. I worked and paid tax for about 25 years. Now I'm retired with enough savings and assets and do not get any government pension. I'm not super rich but well off enough. I feel proud of my achievements in Australia and quite content. But life will be a lot tougher if you wish to migrate to Australia now. The "golden age" has passed and gone.
What a good citizen! Keep paying tax to build a beautiful Australia, hopefully everyone is as great as you.
我生活在香港，并不富裕，仍可三十岁退休，胜在有赛马会！
因為移民大量踴入，而且交税數量不夠支用，許多福利國家開始不給那麼優惠福了，公民還是可以多伸請，才給你，剩餘的才給非公民。特別是學生貸款，生活津貼，只有人領没人付。
@@guanchua3692 没钱砍老百姓福利，有钱支付海外战费。
没钱砍老百姓福利，有钱支付海外战费。。。。。gu an chua
普通人super+pension一起支付养老费用. super也不是一次性领出坐吃山空，可以放在super账号上领投资盈利的，不会十几年就吃完。
你担保super实赚钱，你试过输钱未？
@@kimduong2332那你说说哪个国家的养老金制度是你的梦想？总不会是那个交不够20年，连领养老金资格都没有的国家吧。
@@jayshen5412 这里是谈澳洲养老金，不是别国。90年代初，澳政府大作广告，鼓励老年人提早退休，让工作給年青人，我家洋人邻居夫妇63岁提早退休吃养老金。以前的澳洲跟现在比，哪个好？
@@kimduong2332那時是recession 年代，供樓利息是15%, 做生意利息借錢是20％以上！直致2000奧運之後才收複好！
講啱開頭一半 但後半段 避重就輕 畀我們的資訊是 淨係靠super唔夠洗 要另外做投資 但其實 當你的super 用到低於某個限額是 政府pension就會開始畀你😂 再唔夠洗 就可以將自住物業down size 夫婦兩人又可以分別入 30萬澳元 最緊要是退休前 有不用貸款的物業 根本唔使憂😂
@@NormanTChi 夠唔夠洗呢個問題其實睇吓你點洗。 對好多生活有要求嘅人，政府pension同Super都係唔能夠應付佢哋嘅life style。如果真的唔夠，當然是需要額外投資
@@AlisonAustralia super 不保证赚钱，也有亏损。
@@kimduong2332 絕對係呀，投資涉及風險。 大家要謹慎處理。👍
@@AlisonAustralia 若無豐厚的積蓄，不是應該降低要求，睇餸食飯嗎？何慘之有？
@@NormanTChi 同意
非常有用的資訊，thanks❤
澳洲的福利是给需要的人，不是给想要的人！不论任何人，财产足够了就不能领社会养老金，领不到养老金说明不是穷人。你来澳洲很多年，但你不了解澳洲的价值观和理念。
合理吖，揾咁多錢仲想拿政府福利金，唔係呱，我地要改变人生價值观，唔好成日盤算攞任何福利！
Good attitude 👍
@@lcmb7591 就是论是的attitude.
以事论事attitude......l icm b
这些非常合理，我们交税只帮助低收入的，你有不百万仟万的资产，你还在乎4-500/周生活费😂
Exactly.
Australia’s economy and community development have significantly changed many people’s lives. Twenty years ago, buying a home to live in and sending children to private schools would have been absolutely manageable. However, with high interest rates, rising costs of living, and increased taxes, many businesses are going bankrupt, leaving both workers and management in precarious situations.
The pace of life in Australia is getting faster, and making a living is becoming increasingly challenging. Coupled with insufficient welfare support and language barriers, both new immigrants and locals face constant struggles. It’s crucial to think carefully about the reasons for immigrating!
I spent 2 years in a Sydney's grammar school in the early 80s. School fee at the time was $2000 a year. Now it is >$30,000 a year for the same school.
Thank you for the hot money from China...Australia used to rely less than 10% export to China, but now over over 20％. STUPID POLITIANS SOLD OUT AUSTRALIA..
其實澳洲政府已經是很公平的了，你們还要要求什麼呢？
But This generally doesn’t include your principal home and up to the first 2 hectares of land it’s on.
福利是要包括免費入院 免費手術醫療 教育福利等等 不單是只計退休金 養老金 如果退休生活年費有5萬多 要是不用供屋或交租 一日三餐大魚大肉都夠晒 我心臟病入急症手術2次 另外小便出血入急症4次 一分錢都不用付 澳洲福利已經比好多國家優勝
别忘了你年青时工作每年要交medicare 医疗税呀！
你唔好搞笑啦
明明供屋/交租先係主因
你skip個主因緊係夠食架
但現實係9成既人都要交租供屋
咁已經代表退休福利唔夠頂
如果係香港唔洗交租供樓
打份閒工都夠你日日大魚大肉
一年去幾次旅行都仲得
大哥🙂政府福利唔等於要同你供屋或交租 政府福利主要是醫療 教育 及基本退休生活費用等等 你要享受更好的退休 打多份工或家山有福中大獎 謝謝你
@@davidkwan6916 依家系讲紧澳洲养老金唔易攞，唔系话要政府帮供楼。
@@davidkwan6916咁你要諗下點夠會有福利
所謂福利就係係稅到支付
平時比咁重稅，代表人民要享受返福利
而唔係要更好，只係要基本
但依家既基本門檻唔係人人享愛受到
『基本』退休費用既作用係咩
係比人到退休年齡冇工作能力
都有收入黎應付生活開支
仲退休費用係跟唔上物價
仲要門檻高，連租金都比唔起
代表連住都有問題
所謂生仔牛奶金，有收入又要倒扣
咁叫好？
我工作时交税，退休后用自己的Super，政府的养老金勾不着。
Of course no government pension for people with too high an income or owns too much assets, or hasn't lived in Australia long enough. That's only fair !!!
You must pay tax even live in Australia not long enough!
你领唔到养老金证明你的财富已经超过了政府的财富标准。证明你有足够的钱养老．不要贪得无厌。
請問正在領取age pension 人士若年中較長時間居住外地有沒有影響領取資格？
樓主標題是否有誇張？澳洲拿不拿到政府養老金是在符有否事前做稅務計劃。有financial planners or tax accountants 可以資詢
Working in community and residential aged care, already knows how's the income test assessment even queue so long into home care package and nursing home....
In vancouver bc, Canada, we have much better for retirement. General public gets CPP $800 and OAS $600. If both CPP and OAS is less than $1600 monthly, the guaranteed income supplement kicks in. However, most people get their own RRSP, companies pensions and other savings plus their tax free principal residence. In vancouver, a house is worth more than 1.6 million. 🎉
我覺得澳洲政府的福利已經夠好了！世界上沒有幾個國家能夠這樣，養老金是給你養老，你既然有那麼多足夠養老的錢何必再向政府（交稅人）再要錢？錢是用來生活花費的不是收藏起來的留給𠒇孫的（中國人多多益善想方設法要政府的錢留給𠒇孫）
我覺得澳洲已經比香港好得多，至少收入比香港多一倍，生活成本比香港差不多，即係剩低嘅錢比香港多，生活質素比香港好，買樓容易，環境舒適。來澳洲就係想趁年輕努力拼搏，不應該好似某D人移民目的是打算來拿政府福利，福利應該留比有需要嘅人，令佢地有尊嚴過下半生。
雪梨的環境並非如此，生死線上爭持😢
@holun168 perth 比較好。
@@holun168 會否考慮轉城市？
@@ChiLai-ty5ld 謝建議！暫時不會，子女入讀學校，做多份 job，省吃儉用，等待黎明
同意
67歲前五年內不能離開澳洲？連去外國短程旅行也不可以？一天都不能斷？
聽咗澳洲老師嘅養老金領取方法, 聽完曬覺得澳洲就係冇養老金㗎同美國比較起上嚟, 呢個 pension 就等於美國嘅ssi, 即是話你超過呢個收入上限, 就不合格領取pension, 第二, 美國嘅正式養老金 ssa 澳洲就冇呢樣嘢, 第三 呢個superannuation 等於美國嘅401k.
如果係老人金領取者離開澳洲多長時間還能領取老人金？半年？一年？
"澳洲養老生活殘忍" ??? If one has enough assets and enough income, then this person should not be able to claim Centrelink pension. That's only fair. Welfare is paid out for those in need. If one doesn't have enough in Super, then he/she can claim Centrelink pension.
Centrelink NOT AtO to judge if you can get the age pension
請問超過49歲如何能去澳洲或紐西蘭?
請老師講吓Self Managed super fund，如何建立一個自供自足的房產组合，之後每月有夫妻二人生活和交税用的現金流。
Thanks a lot. ❤
Smsf係咪即係一個夫妻共同持有嘅信託户口？係咪要accountants幫手setup?
@@arransiu financial planner
Alison, 現在是Nov 2024, 你片的內容不是最latest, 有些小出入。你片的下方說這片才一天
Pension資產審查好似唔計自住樓
@@arransiu you may refer to: www.servicesaustralia.gov.au/assets-test-for-age-pension?context=22526
@@arransiu and this: www.dva.gov.au/get-support/financial-support/income-support/what-changes-your-payments/your-property-or-accommodation/how-owning-home-can-affect-pensions-and-payments#:~:text=Back%20to%20top-,Is%20my%20home%20considered%20an%20asset%3F,does%20not%20own%20their%20residence.
自住楼不算，如果卖掉租房住，手里有钱就算进你的资产.
以上URL 看到的……. 自住物業不計但會調低limit。看到重點如下：
Is my home considered an asset?
Your home is not counted as an asset when calculating pension or payment, but it does affect how your pension or payment is assessed under the assets test.
If you are a homeowner your asset value limit is lower than someone who does not own their residence.
我的Super早两年被扣了6千多元，气死。
❤❤❤👏👏👏👍👍👍
这说明这个退休制度需要改革😢这个严重打击中产的退休制度早应该改变😊因为现在的制度不是进步的😂只会打击澳洲的中产😮
吾知成哥睇完此片之後，會吾會好驚攞吾到養老金呢？
如果只有自住的房子，沒有其他房产，没有价值上限，千万过仡都可以！请问阁下是那-省的注册律师？
感謝你的回復。我們提到了需要擁有自住房和多少資產金額才能符合領取養老金規定，但並未具體討論過自住房的價值有限制。
小姐，今日有读你关于领政府养老金，我本人现已足龄七十三岁了，本年九月份退休，本想要申请养了金，但两年前，亲人需用资金，我把自己公积金拿了出来帮忙，数目超过十万多元，同时还有银行存款帮忙，哪我可不可以申请养老金，还是要等五年后才可申请？我是单身，先生过世将近二十多年，因我公积金问题，我现在未有胆我我量申请养老金，我担心政府对我或是我的亲人有什么处罚？在这些问题上，我想请求小姐你帮我解签，好吗？谢谢！
5 years gifting rules. You can try to apply but it depends on your other assets.
唔明白個人收入高就攞唔到養老金係殘忍真相嘅邏輯！乜窮到可以攞養老金係妳嘅夢想？我隨時可以俾銀行戶口妳去過晒啲超額資產俾我㗎！😂
Hi Alison,请问一下我是新西兰公民在澳大利亚住不上10年就到退休年龄请问下可以拿到養老金吗？
你的养老金是新西兰政府发放的，你需要咨询新西兰政府
@phillipjiang6779 哦！明白,不是澳大利亚公民或PR就不能申请😔谢谢
trade-offs
八十年代初澳洲的福利制度非常好，後來很多騙子，政府才"收緊"。
自住房不计算为资产。
最好笑係台主講100萬賣樓，2年後又90萬加印花稅買樓，呢波神操作唔知為乜？我見過都係到老了，子女都搬走了，賣大屋換細屋起碼有幾十萬入袋，另台主講Superannuation 一詞相當嗯耳，澳洲人都將r和a連埋發音
其實養老金對高收入高退休金的不吸引，一個千萬富翁根本不夠資格攞，你有二間屋，一閒自住一間投資也可能無得攞，要計數，攞到只係無乜錢嘅人，當然比香港政府俾啲老人家多雙倍。
67岁还要去工作？第一点就不实际，看不下去，我身边的人都拿养老金，银行也有存款，没那么难的？
这小编不知道想表达什么，如果一个人有了富裕之后，还去掂记着那曲曲的一点养老金，我看这种人还是回到那个原来的地方比较好，两相安好，
'五年唔可以斷'，是否連兩三個星期的海外旅行都不可以？
我都想知😅
同问。。。
想知🤔
1. **Short Overseas Holidays**:
- Temporary absences from Australia, such as a few weeks for a holiday, typically do not affect your residency status. You can still be considered a resident as long as you maintain your primary home in Australia.
2. **Longer Absences**:
- If you are absent from Australia for more than **six weeks** in a row, you may need to provide additional information to show that you still consider Australia your home. Prolonged absences may affect your residency status and eligibility for benefits.
有投資物業收租或有幾百萬存款收息，還要攞政府養老金，真係貪心！
It comes from your own pocket, you're paying average 35% heavy tax plus 2% Medicare levy and and it's still not bill seeing a GP especially the specialist like ENT, dental..... You work hard paying heavy tax to cover those dole bludgers who don't work, life is never fair.
澳洲是真正意义上的养老金而不是退休年金，你退休了有大把自己积累的“金”可用当然无需政府发放养老金自己来养老,不仅政府不会给“金”和“银”连“铜”也不会给这才是养老金需要者方可得之。
政府鼓励人家尽量延长工作别靠养老金，65岁退休，你不退休拿养老金继续工作，按理过了65岁工作就不该交薪金税，可是政府照抽税，不会因为你不拿福利豁免缴税，这就造成人家到了退休年龄就不愿延长工作。
你港得好arm尔！
When my parents sold their home, and downgrade, the excess money was invested into blue chip shares (too old to have a super fund). Earning dividends alone was quite good already. I would not qualify for pension, nor do I have any wish to receive the pension as I know how miserable life is if that is all you can live on. My plan approach retirement is to have income from superannuation fund, from rental income, share dividends and also from reduction of working hours but not fully retire.
@@Woodland26 sounds like a great plan 👍
你沒有提澳洲人的遊戲tax minimization, 不是騙政府，而是用合法的方式來減稅，和增加退休金。人人都玩，連銀行都教，是公開的秘密。
我始終都係咁講，高收入哪裏都很好，中產要好好思考適不適合你，低收入絕對是天堂，在澳洲沒有16萬稅後收入，其實不能說有體面的生活。
No benefits at all
澳洲需要一個像川普的人出現去拯救澳洲！
no thank you.
主持人危言聳聽
这非危言聳听，是事实，政府不停延长退休年龄，每延长半年就死了一批人，目前退休年龄是66岁半，明年可能提高到67岁，政客却年年加工资。
我也怀疑她在危言怂听，首先自住房不算资产，为啥领养老金要卖自住房成为有价资产，她说的这些我都经历过，当年我丈夫领养老金时，我工作8周收入不能超过6400澳，因此我每周工作2-3天，我们有出租房且自住房外总资产不过最高限额，我们每周少拿100多元。
@@kimduong2332已经67岁退休年龄几年了，我就是2018年第一年被推迟的人，2022-2023已经结束了。
@@huanqinzuo9490 你的房子是大或小啊！如果是大的，你的仔女长大了都离家自立，你年纪大了没气力打扫照料，卖了他换间小的，剩下钱加进去你的资产，不就没得拿嘛！你的投资房是借银行钱买的，卖掉他清还贷款，没挣多少钱，加进去资产不超限额，才还可拿一點！
@@huanqinzuo9490假如你的出租房是银行贷款买的，房租收入扣除银行还款剩下无几，当然就拿到多少养老金。
祖國好呀！祖國不殘忍！返祖國啦😅😅😅😅
返去大湾区養老最好，簡直是人間天堂!
@@KSwong98 不問政權，不談政治的話，深圳以外的灣區，如惠州中山等，每月萬元包租包食，夠使喇
領不到澳洲養老金！澳洲養老生活殘忍真相曝光 ha ha ha
係澳洲如果有一間屋，退休有儲蓄、退休金加養老金，真係生活無憂！難怪club同gym全部係老人家！恨死香港人！香港人退休只有自己層樓加儲蓄（如果有錢買），強積金仲要同遣散費對冲！香港成個社會咁有錢，但香港人就挨得咁辛苦，唔知上一世做錯咩事！
澳洲2千万人大把矿产渔业资源可以卖啊，亚洲国家除了资源国家文莱这种都是要拼搏
“政府宣布 2025 年 5 月 1 日起取消以往沿用的強積金「對沖」安排”
廢話，起碼見唔7，80歲推紙皮
甘紐西蘭好好多，無審查😅