{"id":9583,"date":"2023-09-26T21:21:53","date_gmt":"2023-09-26T11:21:53","guid":{"rendered":"https:\/\/mnygroup.com.au\/?p=9583"},"modified":"2025-02-18T21:57:26","modified_gmt":"2025-02-18T10:57:26","slug":"%e5%b0%86%e5%85%bb%e8%80%81%e9%87%91%e8%bd%ac%e6%8d%a2%e4%b8%ba%e9%80%80%e4%bc%91%e6%94%b6%e5%85%a5","status":"publish","type":"post","link":"https:\/\/mnygroup.com.au\/zh-hans\/%e5%b0%86%e5%85%bb%e8%80%81%e9%87%91%e8%bd%ac%e6%8d%a2%e4%b8%ba%e9%80%80%e4%bc%91%e6%94%b6%e5%85%a5\/","title":{"rendered":"\u5c06\u517b\u8001\u91d1\u8f6c\u6362\u4e3a\u9000\u4f11\u6536\u5165"},"content":{"rendered":"\n<p>\u5f53\u60a8\u6b65\u5165\u9000\u4f11\u9636\u6bb5\uff0c\u5c06\u60a8\u7684\u517b\u8001\u91d1\u4ece\u79ef\u7d2f\u9636\u6bb5\u8f6c\u4e3a\u53d6\u6b3e\u9636\u6bb5\u7684\u8d26\u6237\u517b\u8001\u91d1(account based pension)\uff0c\u53ef\u4ee5\u8ba9\u60a8\u83b7\u5f97\u66f4\u5177\u7a0e\u6536\u4f18\u60e0\u7684\u6536\u5165\uff0c\u5ef6\u957f\u60a8\u7684\u50a8\u84c4\u6301\u4e45\u4fdd\u503c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u8fd9\u79cd\u7b56\u7565\u5982\u4f55\u8fd0\u4f5c\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5f53\u60a8\u9000\u4f11\u65f6\uff0c\u5f88\u5bb9\u6613\u9009\u62e9\u5c06\u517b\u8001\u91d1\u4e00\u6b21\u6027\u63d0\u53d6\u4e3a\u73b0\u91d1\u3002\u7136\u800c\uff0c\u5229\u7528\u60a8\u7684\u517b\u8001\u91d1\u8bbe\u7acb\u53d6\u6b3e\u9636\u6bb5\u7684\u8d26\u6237\u517b\u8001\u91d1(account based pension)\u53ef\u80fd\u662f\u4e00\u4e2a\u66f4\u8282\u7a0e\u7684\u9009\u62e9\u3002\u8fd9\u662f\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u517b\u8001\u91d1\u57fa\u91d1\u4e2d\u7684\u6536\u76ca\u4e0d\u9700\u8981\u7f34\u7eb3\u7a0e\u6b3e<\/li><li>\u5728\u60a8\u7684\u201c\u4fdd\u7559\u5e74\u9f84\u201d\u81f32022\/23\u5e74\u6ee160\u5c81\u4e4b\u95f4\uff0c\u60a8\u53ef\u4ee5\u83b7\u5f97\u6bcf\u5e7455,440\u6fb3\u5143\u7684\u514d\u7a0e\u6536\u5165<\/li><li>\u5f53\u60a8\u8fbe\u523060\u5c81\u65f6\uff0c\u517b\u8001\u91d1\u6536\u5165\u652f\u4ed8\u5c06\u5b8c\u5168\u514d\u7a0e\uff0c\u60a8\u4e0d\u5fc5\u5c06\u8fd9\u4e9b\u91d1\u989d\u5217\u5165\u60a8\u7684\u5e74\u5ea6\u7eb3\u7a0e\u7533\u62a5\u8868\u3002<\/li><\/ul>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td colspan=\"3\">2022\/23\u5e74\u53ef\u514d\u7a0e\u83b7\u5f97\u7684\u6700\u5927\u5e94\u7a0e\u6536\u5165\uff08\u6bcf\u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u5e74\u9f84<\/td>\n<td>\u517b\u8001\u91d1\u5916\u7684\u4e2a\u4eba\u6295\u8d44<\/td>\n<td>\u8d26\u6237\u517b\u8001\u91d1\u53d6\u6b3e\u9636\u6bb5<\/td>\n<\/tr>\n<tr>\n<td>59\u5c81\u4ee5\u4e0b<\/td>\n<td>$21,885<\/td>\n<td>$55,440<\/td>\n<\/tr>\n<tr>\n<td>60\u5c81\u81f3\u8fbe\u5230\u9886\u53d6\u653f\u5e9c\u8001\u4eba\u91d1\u8d44\u683c\u7684\u5e74\u9f84<\/td>\n<td>$21,885<\/td>\n<td>\u65e0\u9650\u5236\u7684\u514d\u7a0e\u3002\u6b64\u5916\uff0c\u60a8\u65e0\u9700\u5c06\u6536\u5165\u652f\u4ed8\u5217\u5165\u60a8\u7684\u5e74\u5ea6\u7eb3\u7a0e\u7533\u62a5\u8868\u4e2d\u3002<\/td>\n<\/tr>\n<tr>\n<td>\u8fbe\u5230\u9886\u53d6\u653f\u5e9c\u8001\u4eba\u91d1\u8d44\u683c\u7684\u5e74\u9f84\u53ca\u4ee5\u4e0a<\/td>\n<td>$33,089\uff08\u5355\u8eab\uff09\u548c $29,784\uff08\u592b\u59bb\u4e2d\u7684\u6bcf\u4f4d\u6210\u5458\uff09<\/td>\n<td>\u540c\u4e0a &nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u8d26\u6237\u517b\u8001\u91d1(account based pension)\u662f\u5982\u4f55\u8fd0\u4f5c\u7684\uff1f<\/strong><\/h2>\n\n\n\n<p>\u8d26\u6237\u517b\u8001\u91d1\u7684\u8fd0\u4f5c\u662f\u8fd9\u6837\u7684\uff1a\u9996\u5148\uff0c\u60a8\u5c06\u4e00\u7b14\u4e00\u6b21\u6027\u6b3e\u9879\uff08\u901a\u5e38\u6765\u81ea\u60a8\u7684\u517b\u8001\u91d1\uff09\u8f6c\u5165\u8d26\u6237\u517b\u8001\u91d1\u4ea7\u54c1\u4e2d\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u9009\u62e9\u60a8\u63a5\u6536\u652f\u4ed8\u7684\u9891\u7387\uff08\u6bcf\u5e74\u81f3\u5c11\u4e00\u6b21\uff09\u4ee5\u53ca\u6bcf\u5e74\u5e0c\u671b\u63d0\u53d6\u591a\u5c11\u91d1\u989d\u3002\u60a8\u6bcf\u5e74\u5fc5\u987b\u63d0\u53d6\u7684\u6700\u4f4e\u91d1\u989d\u5728\u4e0b\u8868\u4e2d\u6709\u6240\u8bf4\u660e\u3002<\/p>\n\n\n\n<p>\u60a8\u7684\u4f59\u989d\u5c06\u6295\u8d44\u4e8e\u60a8\u9009\u62e9\u7684\u6295\u8d44\u9009\u9879\uff0c\u60a8\u53ef\u4ee5\u968f\u65f6\u63d0\u53d6\u4e00\u6b21\u6027\u6b3e\u9879\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/mnygroup.com.au\/wp-content\/uploads\/2023\/09\/piggy-bank-968302_1280-1024x682.jpg\" alt=\"\" class=\"wp-image-9584\" srcset=\"https:\/\/mnygroup.com.au\/wp-content\/uploads\/2023\/09\/piggy-bank-968302_1280-1024x682.jpg 1024w, https:\/\/mnygroup.com.au\/wp-content\/uploads\/2023\/09\/piggy-bank-968302_1280-300x200.jpg 300w, https:\/\/mnygroup.com.au\/wp-content\/uploads\/2023\/09\/piggy-bank-968302_1280-768x512.jpg 768w, https:\/\/mnygroup.com.au\/wp-content\/uploads\/2023\/09\/piggy-bank-968302_1280.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6700\u4f4e\u517b\u8001\u91d1\u652f\u4ed8\u989d<\/strong><\/h2>\n\n\n\n<p>\u6bcf\u4e2a\u8d22\u653f\u5e74\u5ea6\uff0c\u60a8\u5fc5\u987b\u4ece\u8d26\u6237\u517b\u8001\u91d1\u4e2d\u63d0\u53d6\u4e00\u5b9a\u91d1\u989d\uff0c\u8be5\u91d1\u989d\u53d6\u51b3\u4e8e\u60a8\u7684\u5e74\u9f84\u30022022\/23\u5e74\uff0c\u6700\u4f4e\u517b\u8001\u91d1\u652f\u4ed8\u989d\u4e3a\u4e0b\u9762\u6240\u793a\u7684\u767e\u5206\u4e4b\u4e00\u534a\uff0c\u5728\u4ee5\u540e\u7684\u5e74\u5ea6\u4e2d\uff0c\u5c06\u6309\u7167\u4e0b\u9762\u6240\u793a\u7684\u6bd4\u4f8b\u652f\u4ed8\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u5e74\u9f84<\/td><td>\u6700\u4f4e\u517b\u8001\u91d1\u652f\u4ed8\u989d<\/td><\/tr><tr><td>65\u5c81\u4ee5\u4e0b<\/td><td>4%<\/td><\/tr><tr><td>65-74\u5c81<\/td><td>5%<\/td><\/tr><tr><td>75-79\u5c81<\/td><td>6%<\/td><\/tr><tr><td>80-84\u5c81<\/td><td>7%<\/td><\/tr><tr><td>85-89\u5c81<\/td><td>9%<\/td><\/tr><tr><td>90-94\u5c81<\/td><td>11%<\/td><\/tr><tr><td>95\u5c81\u53ca\u4ee5\u4e0a<\/td><td>14%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u63d0\u793a\u4e0e\u6ce8\u610f\u4e8b\u9879<\/strong><\/h2>\n\n\n\n<p>\u2022 \u8981\u5f00\u59cb\u8bbe\u7acb\u8d26\u6237\u517b\u8001\u91d1\uff0c\u60a8\u9700\u8981\u6ee1\u8db3\u7279\u5b9a\u7684\u89e3\u9664\u6761\u4ef6\u3002<\/p>\n\n\n\n<p>\u2022 \u60a8\u53ef\u4ee5\u8f6c\u79fb\u7684\u517b\u8001\u91d1\u91d1\u989d\u5230\u8d26\u6237\u517b\u8001\u91d1\u6216\u5176\u4ed6\u201c\u9000\u4f11\u9636\u6bb5\u201d\u8d26\u6237\u662f\u6709\u9650\u7684\u3002\u60a8\u7684\u7406\u8d22\u987e\u95ee\u53ef\u4ee5\u5e2e\u52a9\u786e\u5b9a\u60a8\u7684\u8f6c\u79fb\u9650\u989d\uff0c\u8be5\u9650\u989d\u57281.6\u4e07\u52301.9\u4e07\u6fb3\u5143\u4e4b\u95f4\uff0c\u5e76\u4f1a\u5b9a\u671f\u8fdb\u884c\u8c03\u6574\u3002<\/p>\n\n\n\n<p>\u2022 \u5728\u5f00\u59cb\u8bbe\u7acb\u8d26\u6237\u517b\u8001\u91d1\u4e4b\u524d\uff0c\u641c\u7d22\u53ef\u80fd\u6709\u7684\u5931\u6563\u517b\u8001\u91d1\u3002\u6b64\u5916\uff0c\u8003\u8651\u589e\u52a0\u517b\u8001\u91d1\u7f34\u8d39\u5e76\u5c06\u591a\u4e2a\u8d26\u6237\u5408\u5e76\u3002\u4e00\u65e6\u5f00\u59cb\u8bbe\u7acb\u517b\u8001\u91d1\uff0c\u60a8\u5c31\u65e0\u6cd5\u589e\u52a0\u517b\u8001\u91d1\u7f34\u8d39<\/p>\n\n\n\n<p>\u2022 \u8003\u8651\u5728\u5f00\u59cb\u8d26\u6237\u517b\u8001\u91d1\u4e4b\u524d\uff0c\u662f\u5426\u5e94\u8be5\u5bf9\u60a8\u5728\u5f53\u524d\u6216\u4e4b\u524d\u7684\u8d22\u653f\u5e74\u5ea6\u5185\u8fdb\u884c\u7684\u4e2a\u4eba\u517b\u8001\u91d1\u7f34\u8d39\u7533\u8bf7\u7a0e\u52a1\u6263\u9664\uff08\u5982\u679c\u7b26\u5408\u6761\u4ef6\uff09\u3002\u8981\u505a\u5230\u8fd9\u4e00\u70b9\uff0c\u60a8\u9700\u8981\u5728\u7533\u8bf7\u8d26\u6237\u517b\u8001\u91d1\u4e4b\u524d\u6216\u5728\u7533\u8bf7\u517b\u8001\u91d1\u65f6\u586b\u5199\u300a\u610f\u5411\u58f0\u660e\u6216\u53d8\u66f4\u4e2a\u4eba\u8d85\u7ea7\u517b\u8001\u91d1\u7f34\u8d39\u7684\u6263\u9664\u7533\u8bf7\u300b\u8868\u683c\u3002 <\/p>\n\n\n\n<p>\u8981\u4e86\u89e3\u66f4\u591a\u6709\u5173\u8fd9\u4e9b\u95ee\u9898\u6216\u5176\u4ed6\u95ee\u9898\u7684\u4fe1\u606f\uff0c\u8bf7\u4e0e\u60a8\u7684\u8d22\u52a1\u987e\u95ee\u8054\u7cfb\uff0c\u6216\u8bbf\u95ee ato.gov.au\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 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