{"id":9629,"date":"2023-09-26T21:21:53","date_gmt":"2023-09-26T11:21:53","guid":{"rendered":"https:\/\/mnygroup.com.au\/?p=9629"},"modified":"2023-09-28T21:50:16","modified_gmt":"2023-09-28T11:50:16","slug":"%e5%b0%87%e6%82%a8%e7%9a%84%e9%a4%8a%e8%80%81%e9%87%91%e8%bd%89%e6%8f%9b%e7%82%ba%e9%80%80%e4%bc%91%e6%94%b6%e5%85%a5","status":"publish","type":"post","link":"https:\/\/mnygroup.com.au\/zh-hant\/%e5%b0%87%e6%82%a8%e7%9a%84%e9%a4%8a%e8%80%81%e9%87%91%e8%bd%89%e6%8f%9b%e7%82%ba%e9%80%80%e4%bc%91%e6%94%b6%e5%85%a5\/","title":{"rendered":"\u5c07\u60a8\u7684\u990a\u8001\u91d1\u8f49\u63db\u70ba\u9000\u4f11\u6536\u5165"},"content":{"rendered":"\n<p>\u7576\u60a8\u6b65\u5165\u9000\u4f11\u968e\u6bb5\uff0c\u5c07\u60a8\u7684\u990a\u8001\u91d1\u5f9e\u7d2f\u7a4d\u968e\u6bb5\u8f49\u70ba\u63d0\u6b3e\u968e\u6bb5\u7684\u5e33\u6236\u578b\u990a\u8001\u91d1(account based pension)\uff0c\u53ef\u4ee5\u8b93\u60a8\u7372\u5f97\u66f4\u5177\u7a05\u6536\u512a\u60e0\u7684\u6536\u5165\uff0c\u5ef6\u9577\u60a8\u7684\u5132\u84c4\u6301\u4e45\u4fdd\u503c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9019\u7a2e\u7b56\u7565\u5982\u4f55\u904b\u4f5c<\/strong>\uff1f<\/h2>\n\n\n\n<p>\u7576\u60a8\u9000\u4f11\u6642\uff0c\u5f88\u5bb9\u6613\u9078\u64c7\u5c07\u990a\u8001\u91d1\u4e00\u6b21\u6027\u63d0\u53d6\u70ba\u73fe\u91d1\u3002\u7136\u800c\uff0c\u5229\u7528\u60a8\u7684\u990a\u8001\u91d1\u8a2d\u7acb\u63d0\u6b3e\u968e\u6bb5\u7684\u5e33\u6236\u578b\u990a\u8001\u91d1(account based pension)\u53ef\u80fd\u662f\u4e00\u500b\u66f4\u7bc0\u7a05\u7684\u9078\u64c7\u3002\u9019\u662f\u56e0\u70ba\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u990a\u8001\u91d1\u57fa\u91d1\u4e2d\u7684\u6536\u76ca\u4e0d\u9700\u8981\u7e73\u7d0d\u7a05\u6b3e<\/li><li>\u5728\u60a8\u7684\u300c\u4fdd\u7559\u5e74\u9f61\u300d\u81f32022\/23\u5e74\u6eff60\u6b72\u4e4b\u9593\uff0c\u60a8\u53ef\u4ee5\u7372\u5f97\u6bcf\u5e7455,440\u6fb3\u5143\u7684\u514d\u7a05\u6536\u5165<\/li><li>\u7576\u60a8\u9054\u523060\u6b72\u6642\uff0c\u9000\u4f11\u91d1\u6536\u5165\u652f\u4ed8\u5c07\u5b8c\u5168\u514d\u7a05\uff0c\u60a8\u4e0d\u5fc5\u5c07\u9019\u4e9b\u91d1\u984d\u5217\u5165\u60a8\u7684\u5e74\u5ea6\u7d0d\u7a05\u7533\u5831\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\u7a05\u7372\u5f97\u7684\u6700\u5927\u61c9\u7a05\u6536\u5165\uff08\u6bcf\u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u5e74\u9f61<\/td>\n<td>\u9000\u4f11\u91d1\u5916\u7684\u500b\u4eba\u6295\u8cc7<\/td>\n<td>\u5e33\u6236\u578b\u990a\u8001\u91d1\u63d0\u6b3e\u968e\u6bb5<\/td>\n<\/tr>\n<tr>\n<td>59\u6b72\u4ee5\u4e0b<\/td>\n<td>$21,885<\/td>\n<td>$55,440<\/td>\n<\/tr>\n<tr>\n<td>60\u6b72\u81f3\u9054\u5230\u9818\u53d6\u653f\u5e9c\u8001\u4eba\u91d1\u8cc7\u683c\u7684\u5e74\u9f61<\/td>\n<td>$21,885<\/td>\n<td>\u7121\u9650\u5236\u7684\u514d\u7a05\u3002\u6b64\u5916\uff0c\u60a8\u7121\u9700\u5c07\u6536\u5165\u652f\u4ed8\u5217\u5165\u60a8\u7684\u5e74\u5ea6\u7d0d\u7a05\u7533\u5831\u8868\u4e2d\u3002<\/td>\n<\/tr>\n<tr>\n<td>\u9054\u5230\u9818\u53d6\u653f\u5e9c\u8001\u4eba\u91d1\u8cc7\u683c\u7684\u5e74\u9f61\u53ca\u4ee5\u4e0a<\/td>\n<td>$33,089\uff08\u55ae\u8eab\uff09\u548c $29,784\uff08\u592b\u59bb\u4e2d\u7684\u6bcf\u4f4d\u6210\u54e1\uff09<\/td>\n<td>\u540c\u4e0a<\/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>\u5e33\u6236\u578b\u990a\u8001\u91d1(account based pension)\u662f\u5982\u4f55\u904b\u4f5c\u7684\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5e33\u6236\u578b\u990a\u8001\u91d1\u7684\u904b\u4f5c\u662f\u9019\u6a23\u7684\uff1a\u9996\u5148\uff0c\u60a8\u5c07\u4e00\u7b46\u4e00\u6b21\u6027\u6b3e\u9805\uff08\u901a\u5e38\u4f86\u81ea\u60a8\u7684\u9000\u4f11\u91d1\uff09\u8f49\u5165\u5e33\u6236\u578b\u990a\u8001\u91d1\u7522\u54c1\u4e2d\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u9078\u64c7\u60a8\u63a5\u6536\u652f\u4ed8\u7684\u983b\u7387\uff08\u6bcf\u5e74\u81f3\u5c11\u4e00\u6b21\uff09\u4ee5\u53ca\u6bcf\u5e74\u5e0c\u671b\u63d0\u53d6\u591a\u5c11\u91d1\u984d\u3002\u60a8\u6bcf\u5e74\u5fc5\u9808\u63d0\u53d6\u7684\u6700\u4f4e\u91d1\u984d\u5728\u4e0b\u8868\u4e2d\u6709\u6240\u8aaa\u660e\u3002<\/p>\n\n\n\n<p>\u60a8\u7684\u9918\u984d\u5c07\u6295\u8cc7\u65bc\u60a8\u9078\u64c7\u7684\u6295\u8cc7\u9078\u9805\uff0c\u60a8\u53ef\u4ee5\u96a8\u6642\u63d0\u53d6\u4e00\u6b21\u6027\u6b3e\u9805\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-9585\" 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\u990a\u8001\u91d1\u652f\u4ed8\u984d<\/strong><\/h2>\n\n\n\n<p>\u6bcf\u500b\u8ca1\u653f\u5e74\u5ea6\uff0c\u60a8\u5fc5\u9808\u5f9e\u5e33\u6236\u578b\u990a\u8001\u91d1\u4e2d\u63d0\u53d6\u4e00\u5b9a\u91d1\u984d\uff0c\u8a72\u91d1\u984d\u53d6\u6c7a\u65bc\u60a8\u7684\u5e74\u9f61\u30022022\/23\u5e74\uff0c\u6700\u4f4e\u990a\u8001\u91d1\u652f\u4ed8\u984d\u70ba\u4e0b\u9762\u6240\u793a\u7684\u767e\u5206\u4e4b\u4e00\u534a\uff0c\u5728\u4ee5\u5f8c\u7684\u5e74\u5ea6\u4e2d\uff0c\u5c07\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\u9f61<\/td><td>\u6700\u4f4e\u990a\u8001\u91d1\u652f\u4ed8\u984d<\/td><\/tr><tr><td>65\u6b72\u4ee5\u4e0b<\/td><td>4%<\/td><\/tr><tr><td>65-74\u6b72<\/td><td>5%<\/td><\/tr><tr><td>75-79\u6b72<\/td><td>6%<\/td><\/tr><tr><td>80-84\u6b72<\/td><td>7%<\/td><\/tr><tr><td>85-89\u6b72<\/td><td>9%<\/td><\/tr><tr><td>90-94\u6b72<\/td><td>11%<\/td><\/tr><tr><td>95\u6b72\u53ca\u4ee5\u4e0a<\/td><td>14%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u63d0\u793a\u8207\u6ce8\u610f\u4e8b\u9805<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>\u8981\u958b\u59cb\u8a2d\u7acb\u5e33\u6236\u578b\u990a\u8001\u91d1\uff0c\u60a8\u9700\u8981\u6eff\u8db3\u7279\u5b9a\u7684\u89e3\u9664\u689d\u4ef6\u3002<\/li><li>\u60a8\u53ef\u4ee5\u8f49\u79fb\u7684\u9000\u4f11\u91d1\u91d1\u984d\u5230\u5e33\u6236\u578b\u990a\u8001\u91d1\u6216\u5176\u4ed6\u300c\u9000\u4f11\u968e\u6bb5\u300d\u5e33\u6236\u662f\u6709\u9650\u7684\u3002\u60a8\u7684\u7406\u8ca1\u9867\u554f\u53ef\u4ee5\u5e6b\u52a9\u78ba\u5b9a\u60a8\u7684\u8f49\u79fb\u9650\u984d\uff0c\u8a72\u9650\u984d\u57281.6\u842c\u52301.9\u842c\u6fb3\u5143\u4e4b\u9593\uff0c\u4e26\u6703\u5b9a\u671f\u9032\u884c\u8abf\u6574\u3002<\/li><li>\u5728\u958b\u59cb\u8a2d\u7acb\u5e33\u6236\u578b\u990a\u8001\u91d1\u4e4b\u524d\uff0c\u641c\u7d22\u53ef\u80fd\u6709\u7684\u5931\u6563\u9000\u4f11\u91d1\u3002\u6b64\u5916\uff0c\u8003\u616e\u589e\u52a0\u9000\u4f11\u91d1\u7e73\u8cbb\u4e26\u5c07\u591a\u500b\u5e33\u6236\u5408\u4f75\u3002\u4e00\u65e6\u958b\u59cb\u8a2d\u7acb\u9000\u4f11\u91d1\uff0c\u60a8\u5c31\u7121\u6cd5\u589e\u52a0\u9000\u4f11\u91d1\u7e73\u8cbb<\/li><li>\u8003\u616e\u5728\u958b\u59cb\u5e33\u6236\u578b\u990a\u8001\u91d1\u4e4b\u524d\uff0c\u662f\u5426\u61c9\u8a72\u5c0d\u60a8\u5728\u7576\u524d\u6216\u4e4b\u524d\u7684\u8ca1\u653f\u5e74\u5ea6\u5167\u9032\u884c\u7684\u500b\u4eba\u9000\u4f11\u91d1\u7e73\u8cbb\u7533\u8acb\u7a05\u52d9\u6263\u9664\uff08\u5982\u679c\u7b26\u5408\u689d\u4ef6\uff09\u3002\u8981\u505a\u5230\u9019\u4e00\u9ede\uff0c\u60a8\u9700\u8981\u5728\u7533\u8acb\u5e33\u6236\u578b\u990a\u8001\u91d1\u4e4b\u524d\u6216\u5728\u7533\u8acb\u9000\u4f11\u91d1\u6642\u586b\u5beb\u300a\u610f\u5411\u8072\u660e\u6216\u8b8a\u66f4\u500b\u4eba\u8d85\u7d1a\u9000\u4f11\u91d1\u7e73\u8cbb\u7684\u6263\u9664\u7533\u8acb\u300b\u8868\u683c\u3002<\/li><\/ul>\n\n\n\n<p>\u8981\u4e86\u89e3\u66f4\u591a\u6709\u95dc\u9019\u4e9b\u554f\u984c\u6216\u5176\u4ed6\u554f\u984c\u7684\u4fe1\u606f\uff0c\u8acb\u8207\u60a8\u7684\u8ca1\u52d9\u9867\u554f\u806f\u7e6b\uff0c\u6216\u8a2a\u554f 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