Tej ntsiab lus tseem ceeb:
- Yog tsis xav kom paub koj tej nyuaj super, ces To avoid lost super, ces koj yuav tsum tau qhia koj tej chaw nyob, xov tooj thiab email tshiab rau koj lub super fund thiab ATO.
- Tsuas muaj qee cov xwm txheej xwb thiaj pub tej pej xeem los yog tej neeg nyob ruaj ntawm Australia rho tau nyiaj super ntxov los siv xwb.
- Yeej muaj ib lub koom haum ywj pheej ua tus los tswj tej cuab yig kev tsis sib haum xeeb txog cov kev faib tus neeg tas sim neej tej nyiaj super.
Superannuation, los yog 'super', ces yog cov nyiaj uas koj tus tswv lagluam khaws cia rau koj thaum koj tseem ua hauj lwm kom koj thiaj tau siv rau lub caij koj so tsis ua hauj lwm lawm.
Yog tej yam uas tej tswv lagluam yuav tsum tau them raws li cov feem pua ntawm tej nyiaj uas koj khwv tau ntawd khaws cia rau koj phau super account, ces koj lub tuam txhab super fund mam li coj tej nyiaj ntawd mus nqe peev mus txog ntua thaum koj so tsis ua hauj lwm lawm.
Ntawm Australia no ces, yeej muaj tej cai coj los nrog tswj kom tej neeg ntiag tug tsis txhob poob lawv tej nyiaj super uas khaws cia tseg no, txawm tias lawv tsis mus txheeb xyuas phau super account ntawd lawm.
Yog tias ho hloov koj tej chaw nyob, xov tooj los yog email tshiab lawm es tej tswv super funds ho tsis muaj peev xwm sib cuag tau nrog koj lawm, ces lawv yuav tsum tau muab tej nyiaj uas tsis muaj tswv aws ntawd xa mus rau lub tuam chav sau se (Australian Taxation Office -ATO).
Rov qab nrhiav kom tau tus tswv nyiaj super
Thaum uas ATO tau cov nyiaj tsis muaj tswv aws ntawd lawm, ces nws mam li nrhiav xub ke los pab kom nrhiav tau tus tswv nyiaj tseeb.
Tab sis yog koj xav tias koj muaj ib co nyiaj super uas tsis nco qab txog lawm, qhov zoo tshaj plaws ces xav kom koj mus nrhiav ntawm ATO's online services.
There is no deadline for recovering unclaimed super, but the longer it sits held by the ATO, the longer you are missing out on investment returns. Credit: rudi_suardi/Getty Images
Ms Rosenzweig hais tias “Xav kom sawv daws rov qab hu rau lawv tej qub tuam txhab super funds uas lawv xav tias lawv muaj cov super account, thiab ua zoo xyuas kom qhia tau tej xov xwm tshiab (chaw nyob, xov tooj, email) thiab bank account tshiab rau ATO online services.”
Xavier O’Halloran yog tus coj ntawm lub koom haum Super Consumers Australia, uas yog ib lub koom haum ywj pheej thiab pab tej neeg tej nyiaj super no.
Nws hais tias yeej tsis txawv dab tsi uas tej neeg muaj ntau phau super account.
When joining a new employer, they can set up your super account automatically with a fund if you don’t nominate yours. Credit: JohnnyGreig/Getty Images
Kuj kwv yees tias yog koj muaj ntau phau super account ces yuav ua rau koj poob koj tej nyiaj khaws cia kom tau siv rau lub caij so tsis ua hauj lwm ntawd txog li $50,000 thiab.Xavier O’Halloran, Director of Super Consumers Australia
Mr O’Halloran hais tias ib yam laj thawj qhia tias tos ho zoo li ntwd los twb vim yog yuav ua rau koj tau them tej nqe yuav nyiaj tuav pov hwm (insurance) rau ntau phau account.
“Yeej muaj ib cov nqe yuav tau them los tswj tej accounts no. Ces thiaj li yuav ua rau koj tau them ob npaug yog tias koj muaj cov super account ntau tshaj ib phau.”
“It really does pay to keep on top of where your super is and consolidate where it's appropriate,” says Mr O’Halloran. Credit: djgunner/Getty Images
Yus muaj peev xwm pib xa ntau ntawv mus thov cov nyiaj super thaum tawm ntawm Australia mus (Departing Australia superannuation payment - DASP) rau lub caij ua yus tseem nyob ntawm teb chaws Australia no. Tab sis yus tsuas muaj peev xwm thov tau cov nyiaj no thaum yus ncaim lub teb chaws no mus lawm xwb, los yog yus daim visa tag sij hawm lawm, los sis yog nom tswv tsis pub visa rau yus siv lawm xwb.
Ms Rosenzweig tshab txhais tias “Yog tis koj tsis xa ntaub ntawv thov rau lub sij hawm 6 hli thaum koj ncaim Australia mus lawm los yog koj daim passport tag sij hawm lawm, ces ATO yuav hais kom koj lub tuam txhab super fund xa koj tej nyiaj super uas tsis muaj tswv aws mus rau ATO khaws cia lawm.”
“Txawm li cas los tej nyiaj ntawd tseem yog koj li, tsuas yog koj yuav tau mus thov ntawm peb rov qab xwb, thiab tsuas yog ATO uas tus khaws koj cov nyiaj super no cia lawm xwb.”
Temporary visa residents can apply to have their super paid to them as a departing Australia superannuation payment (DASP) after leaving the country. Source: Moment RF / Robert Lang Photography/Getty Images
''Uas yog koj yuav tsum nto lub hnoob nyoog li tau teev tseg, thiab poob rau tej xwm txheej uas koj rho tau xwb mas thiaj rho tau tej nyiaj no."
“Txawm tias koj tau ncaim ntawm Australia mus lawm los, koj yeej tsis muaj peev xwm yuav rho tau koj cov nyiaj super siv, tsuas yog koj poob rau ib cov xwm txheej tsawg tsawg twg, li txom nyem nyiaj txiaj siv heev los yog koj xav tau nyiaj coj los kho ib yam mob tseem ceeb twg uas Medicare tsis cover ntawd xwb.”
Tswj koj tej nyiaj super thaum koj nyob txawv teb chaws
Mr O’Halloran qhia qee cov tswv yim pab kom koj tswj tau koj cov nyiaj super zoo tshaj plaws rau lub caij koj tseem nyob txawv teb chaws li no:
- Ua tib zoo xyuas kom qhia tau koj tej xov xwm tshiab (Chaw nyob, xov tooj thiab email) rau koj lub tuam txhab kom thiaj li txheeb tau koj cov nyiaj super.
- Siv ATO cov twj , los txheeb seb koj lub tuam txhab super fund ho puas khwv tau nyiaj zoo li cas piv rau lwm lub thaum coj tej nqe thiab tej nyiaj lawv khwv tau ntawd seb zoo li cas.
- Txheeb seb tej nyiaj tuav pov hwm (insurance) uas koj yuav hauv phau super account ntawm puas pov puag koj thaum koj tseem ua hauj lwm txawv teb chaws.
If you are an Australian citizen or permanent resident, moving overseas does not change the rules around how your superannuation is treated. Source: Moment RF / Mongkol Chuewong/Getty Images
“Yog tias koj muaj nyiaj super txog li $50,000 ces tus nqe nrab uas yuav tau them ua nqe tswj saib xyuas koj phau super account yog 1% rau ib lub xyoos twg. Tab sis kuj yeej tseem muaj ib txhia tuam txhab super funds tseem sau tej nqe (fees) tsawg thaj ntawd thiab.''
Mr O'Halloran hais tias ''Thiaj xav kom koj ua tib zoo txheeb xyuas ntau lub tuam txhab super funds uas tau them tus nqe tsawg kom tsis txhob tau rho koj tej nyiaj hauv phau super account ntawd ntau coj los them tej nqe rau lub caij uas koj tseem nyob txawv teb chaws ntawd."
“Thiab koj yeej tseem muaj peev xwm tso nyiaj ntxiv rau koj tej nyiaj super kom tau ntau ntxiv tuaj rau koj siv rau lub caij koj so tsis ua hauj lwm lawm, txawm tias koj mus nyob rau lwm lub teb chaws lawm.”
Cov neeg uas yuav tau koj cov nyiaj super thaum koj nruam sim
Txawm tias cov nyiaj superannuation (super) yog ib co tsim coj los pab koj rau lub caij koj so tsis ua hauj lwm, los yog ib qho zoo tshaj plaws uas koj yuav tau teev ib co neeg npe tseg tias yog cov yuav tau koj tej nyiaj super yog tias koj ho tas sim neej lawm.
Lub koom haum (AFCA) thiaj yog tus yuav los tswj thiab faib koj cov nyiaj super rau tej neeg koj teev npe no, los yog yuav los daws cov kev tsis sib haum xeeb txog cov kev faib koj tej nyiaj super no.
Heather Gray uas yog tus Lead Ombudsman for Superannuation ntawm lub koom haum AFCA hais tias, yeej ib txwm pom tias tseem muaj tej neeg totaub yuam kev thiab pheej tseem xav tias nyiaj super yog ib feem ntawm koj tej peev txheej teej tug.
Nyiaj superannuation (super) yeej yog ib co peev txheej tseem ceeb tshaj plaws rau coob leej ntau tus, txuas ntxiv ntawm ib yig neeg twg lub tsev lawm. Tej zaum tej neeg tsuas xam txog lawv lub tsev feem ntau xwb, thiab yuav tsim ib tsab ntawv faib peev txheej (will), tab sis tej zaum lawv kuj tsis tau sab laj tawm tswv yim dab tsi thiab los npaj tias seb yuav ua li cas rau lawv tej nyiaj super thiab.Heather Gray, Lead Ombudsman for Superannuation, AFCA
Thaum tej neeg muaj cai tswj tej nyiaj no los qhia tias lawv yuav faib tej nyiaj super ntawm ib tug neeg uas tas sim neej ntawv li cas rau lwm tus lawm, ces lawv yuav tsum tau qhia txhua tus neeg muaj feem, thiab tej neeg no muaj peev xwm ntsib tau lub koom haum AFCA rau lub sij hawm 28 hnub los thim cov kev txiav txim siab faib tej nyiaj no tau, yog lawv ntseeg tias faib tej nyiaj no tsis ncaj lawm.
If you don't make a written death benefit nomination, the trustee of your super fund will decide who receives your death benefit. Credit: Kemal Yildirim/Getty Images
Thiab Ms Gray hais tias cov kev tsis sib haum xeeb txog cov kev faib nyiaj super rau lwm tus yeej tsis yog tej yam txawv dab tsi, vim muaj ntau yam xwm txheej sib chab sib chaws cuam tshuam nrog tsev neeg ntawd thiab.
“Tej zaum lawv kuj muaj me nyuam nrog ntau tus txij nkawm thiab. Tej zaum lawv kuj yuav ib tug txij nkawm uas muaj ntaub ntawv raug cai lawm, tab sis ho sib cais lawm, thiab tam sim no ces lawv kuj nrog ib tug neeg tshiab uas tseem tsis tau sib qaws ua txij nkawm (de feacto spouse) nyob ua ke, thiab tej zaum lawv kuj ho muaj me nyuam ua ke nrog tus neeg no lawm thiab."
Tab sis tej tuam txhab super funds feem ntau yeej tso cai rau yus teev tias yus tej me nyuam twg tsim nyog yuav yog cov neeg uas muaj cai tau tej nyiaj super raug cai raws li tau teev tseg, uas tus neeg tswj yus tej nyiaj no yuav tsum tau faib rau.
“Vim tej ntawd yog ib tsab ntawv raug cai uas yeej tau teev tseg tias leej twg muaj cai yuav tau txais yus tej nyiaj super thaum yus tas sim neej lawm."
“Yog li ntawd yog tias koj muaj peev xwm siv qee lub caij los txheeb koj tej nyiaj super tias seb ho yuav faib li cas, thiab npaj ib tsab ntawv tso tseg cia nrog rau koj lub tuam txhab super funds lawm, ces kuj yuav daws tau cov kev tsis haum xeeb cuam tshuam txog tej nyiaj no lawm thiab."
rau hnub zwj Teeb (Thursday) thaum 6 pm AEDT thiab hnub zwj Hnub (Sunday) thaum 11 am AEDT los yog koom tau ntxiv ntawm ,, , thiab los yog download thiab kom koj mloog tau SBS Hmong.
