淺談澳洲office工嘅職埸文化 3
Hahayip
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我依家買完樓重傷回緊血 
每個月 D 多餘錢除咗擺 offset 仲有無咩更好建議 ?
Low risk appetite
每個月 D 多餘錢除咗擺 offset 仲有無咩更好建議 ?
Low risk appetite
想飛去 WA 了
我個人專買收息股
Financial advisor其實會唔會教你點樣去交少d tax？
我super用緊MLC
其實一直都想轉
但係又懶所以就咁擺咗喺度
見好多人自己可以build up個portfolio
覺得自己好似嘥咗舊錢咁
我super用緊MLC
其實一直都想轉
但係又懶所以就咁擺咗喺度
見好多人自己可以build up個portfolio
覺得自己好似嘥咗舊錢咁
有着數 ? 要俾 tax
me too
但係又好想知點樣可以交少d稅
但係又好想知點樣可以交少d稅
其實睇你咩long term goal/ objectives
你想pay off mortgage quicker 咁surplus梗係放offset啦
你想build super既咁咪make contribution lor
low risk 唔代表你淨係買bond/td/cash既..可能可以買blue chip / 或者quality bias 既managed fund 都可以既, 你仲後生嘛
咁講啦,自己諗下個priority係點,咁你就知你surplus cash應該放邊
老實講, 你就算放offset都可以當儲錢, 儲到某個位個D錢又可以contribute返入去super然後滾大佢, 只係先後次序既問題
你想pay off mortgage quicker 咁surplus梗係放offset啦
你想build super既咁咪make contribution lor
low risk 唔代表你淨係買bond/td/cash既..可能可以買blue chip / 或者quality bias 既managed fund 都可以既, 你仲後生嘛
咁講啦,自己諗下個priority係點,咁你就知你surplus cash應該放邊
老實講, 你就算放offset都可以當儲錢, 儲到某個位個D錢又可以contribute返入去super然後滾大佢, 只係先後次序既問題
俾我實放曬落
而家息咁高
Offset 緊 五六厘息
有咩investment 可以穩陣又無腦到做到呢個return
而家息咁高
Offset 緊 五六厘息
有咩investment 可以穩陣又無腦到做到呢個return
我地係會幫你legally minimising your tax payable.
how? mainly using your super = making additional contribution and claim tax deduction.
super你要留意分2類, retail fund or industry fund
有咩分別我之前有提過
你想自己build portfolio就建議你去用retail fund platform
不過自己格下價邊間抵用同埋platform UI user friendly D
how? mainly using your super = making additional contribution and claim tax deduction.
super你要留意分2類, retail fund or industry fund
有咩分別我之前有提過
你想自己build portfolio就建議你去用retail fund platform
不過自己格下價邊間抵用同埋platform UI user friendly D
本身打工真係無乜幾多嘢扣
嗯嗯 我諗我同 d 廢老一樣都係旨意買層收租樓退休
所以諗住無腦入哂落 offset 還完再買
最怕要成日 mon 住 d 野升跌所以無買過任何投資產品除咗樓
個 super 係應該搞搞佢
但以前喺香港都淨係識 on99 轉下中港轉下歐美 index 嗰 d 低級操作 唔知澳洲 super 係咪都係咁上下玩法
所以諗住無腦入哂落 offset 還完再買
最怕要成日 mon 住 d 野升跌所以無買過任何投資產品除咗樓
個 super 係應該搞搞佢
但以前喺香港都淨係識 on99 轉下中港轉下歐美 index 嗰 d 低級操作 唔知澳洲 super 係咪都係咁上下玩法
blue chip shares 呢 大部分都係fully franked
即係你買個間公司已經俾左30% company tax
澳洲唔係double taxation, 所以你個dividends收返之後仲會有franking credits, franking credits 係可以用黎offset你既investment income從而減但你既assessable tax income = minimise tax.
capital gain tax 係你賣左個股票先要俾, 如果你hold個asset more than 12 months,會有50% discount on the capital gain tax. 如果之前你有capital loss, you can use the loss to offset the gain. Also, concessional contributions can be used to offset capital gain tax.
所以tax唔一定係好嚇人, 你要知道有其他legal tools去minimise it.
即係你買個間公司已經俾左30% company tax
澳洲唔係double taxation, 所以你個dividends收返之後仲會有franking credits, franking credits 係可以用黎offset你既investment income從而減但你既assessable tax income = minimise tax.
capital gain tax 係你賣左個股票先要俾, 如果你hold個asset more than 12 months,會有50% discount on the capital gain tax. 如果之前你有capital loss, you can use the loss to offset the gain. Also, concessional contributions can be used to offset capital gain tax.
所以tax唔一定係好嚇人, 你要知道有其他legal tools去minimise it.
有無Mel tg group 
絲打好 pro
過一兩年回返 d 血要幫襯你
過一兩年回返 d 血要幫襯你
巴打
如果要搞smsf min set up cost 同running cost大概幾多到
兩公婆夾埋大概幾多balance 先有jetso
如果要搞smsf min set up cost 同running cost大概幾多到
兩公婆夾埋大概幾多balance 先有jetso
澳洲既super 玩法有D唔同應該
我覺得flexibility大D
industry fund 就同MPF差唔多啦, 俾幾隻portfolio 你揀, 砌好哂, 多數都係跟index. pretty sure they get it from Vanguard.
retail fund就唔同玩法, 佢地個investment menu大好多,基本上澳洲market有既managed funds你都可以買, 加上你可以買direct shares/ETFS/Mfunds, 有D係international shares都可以買,不過brokerage fee貴D. 咁你就可以自己砌portfolio.
我覺得flexibility大D
industry fund 就同MPF差唔多啦, 俾幾隻portfolio 你揀, 砌好哂, 多數都係跟index. pretty sure they get it from Vanguard.
retail fund就唔同玩法, 佢地個investment menu大好多,基本上澳洲market有既managed funds你都可以買, 加上你可以買direct shares/ETFS/Mfunds, 有D係international shares都可以買,不過brokerage fee貴D. 咁你就可以自己砌portfolio.
