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！

在Scomo 之前我一向不支持工党的，但身为华人，两害相权取其轻，现在只可以支持公党，澳洲要有钱途，就一定不能让Peter Dutton 做总理。 自由党一天不换人，也只能忍痛支持工党。

说普通话，或者说国语

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😮

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？

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。

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

請問超過49歲如何能去澳洲或紐西蘭?

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

我的Super早两年被扣了6千多元，气死。

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！

自住房不计算为资产。

難道你想擁有幾十億百億身家的貪官奸商都來搶窮人的養老金。你真不知所謂。不明事理最好收聲，

澳洲需要一個像川普的人出現去拯救澳洲！

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？

領不到澳洲養老金！澳洲養老生活殘忍真相曝光 ha ha ha

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？

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。

評審我們是否有資格領取age pension 或可領取多少的不是稅局(ATO)， 而是 Services Australia. 有興趣的朋友可以上它的網站，獲取正確的資料。

返去大湾区養老最好，簡直是人間天堂!

甘紐西蘭好好多，無審查😅

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

想不勞而獲而躺平的話, 最好的去處是“ 上西天 ” 就可以無憂無慮地躺平了！SB 台

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.

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 !!!

只靠澳洲政府養老金能過活嗎? Yes, provided you own a place to live and your mortgage paid off while working.

主持人危言聳聽

年輕有為，向妳學習❤廣東話好親切❤❤

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。

In Australia, the primary residence is generally excluded from the assets test for the Age Pension, but there are some important details to consider: ### Key Points About the Exclusion of Your Home 1. **Principal Home**: Your primary residence (the home you live in) is not counted as an asset when assessing your eligibility for the Age Pension. 2. **Value Limitations**: - There is no limit on the value of your home for the assets test, meaning you can own a home of any value without it affecting your pension eligibility. 3. **Other Properties**: - If you own additional properties (such as investment properties or vacation homes), those will be included in the assets test and may affect your pension amount. 4. **Selling Your Home**: - If you sell your home, the proceeds from the sale may be counted as assets, which could impact your eligibility or the amount of your Age Pension. 5. **Special Circumstances**: - In some cases, if you move into aged care or if your home is left vacant for a certain period, different rules may apply regarding how your home is treated in the assets test. ### Conclusion Your primary residence is excluded from the assets test for the Age Pension, which is beneficial for many pensioners. However, it's essential to consider the implications of owning other properties and how changes in your living situation might affect your eligibility. For personalized advice, it’s best to consult with Services Australia or a financial advisor specializing in pensions.

吾知成哥睇完此片之後，會吾會好驚攞吾到養老金呢？

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😂

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！

香港人真贪婪！连穷人的最后一口粥也不放过也要抢.

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. 🎉

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.

很好資訊謝謝你

Pension資產審查好似唔計自住樓

澳洲不好、回去你的出生地！别胡说八道！

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。

Box Hill 真的有好多 young professional , 尤其是医療界或法律，我的鄰居十個有七個是年輕医生/護士，老師😊好有禮貌😊😊

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

'五年唔可以斷'，是否連兩三個星期的海外旅行都不可以？

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.

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😂

No benefits at all

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。

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？

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！😂

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....