《悉尼晨报》财经专栏刊登了认证财务规划师保罗·本森的建议，针对两位读者提出的退休资产管理问题提供了方案。[1]
其中一位59岁的无子女读者拥有自住房和部分超级养老金积蓄，希望提前退休但需工作至65岁，并表示不想留下遗产。[1]本森建议采用终身年金方式——每月获得固定收入直至去世，同时需要考虑通胀调整——并保留超级账户的部分灵活性，或者考虑住房产权释放计划等方式来管理资产。[1]
另一位64岁的单身半退休人士咨询是否应为超级养老金申报税收抵扣，年收入低于45000澳元阈值，每年存入30000澳元到超级养老金账户。[1]本森指出，收入在18201至45000澳元区间的税率为15%，与超级基金扣除率相同，因此申报税收抵扣不会产生实质性税务好处。[1]他建议该读者收入低于45000澳元时不应申报税收抵扣，而应考虑非抵扣性缴款。[1]
The Sydney Morning Herald has published financial advice addressing retirement planning challenges facing Australian readers. Certified financial planner Paul Benson, who hosts the Financial Autonomy podcast, tackled two distinct scenarios in the column.[1]
One reader, aged 59 with no children, owns a home and holds superannuation savings but wishes to retire before reaching age 65 while avoiding leaving an inheritance.[1] Benson recommended considering lifetime annuities that provide fixed monthly income until death, while accounting for inflation adjustments, and suggested exploring home equity release schemes to access housing wealth.[1] He also advised retaining some flexibility within superannuation accounts while seeking guidance from a qualified financial planner.[1]
A second reader, aged 64 and semi-retired with annual income below the 45,000 Australian dollar threshold, contributes 30,000 Australian dollars annually to superannuation and questioned whether to claim tax deductions.[1] Benson's analysis revealed that income within the 18,201 to 45,000 dollar range faces a 15 percent tax rate, identical to the superannuation fund contribution rate, rendering tax deductions ineffective.[1] He recommended against claiming tax offsets when income falls below the 45,000 dollar threshold and suggested non-concessional contributions as an alternative approach.[1]