Superannuation nhu mot khoan dau tu

Nha tuyen dung dong 11.5% luong vao super — day la khoan dau tu bat buoc va lon nhat ban co.

Phac ngo qua default option co the mat nhieu tien trong dai han.

Tóm tắt nhanh

• Industry funds thuong phi thap hon retail funds.
• Balanced vs High Growth: tre nen chon high growth.
• AustralianSuper, Hostplus, Australian Retirement Trust: top performers.
• Gop them (voluntary contributions) duoc giam thue thu nhap.

Industry fund vs Retail fund

• Industry fund: Loi nhuan tra ve cho thanh vien, phi thap hon
• Retail fund: Loi nhuan cho co dong, co the phi cao hon
• AustralianSuper Balanced: ~9–10% p.a. trung binh 10 nam
• Hostplus Indexed Balanced: Phi 0.02% — thap nhat nganh

Investment options trong super

• High Growth: 90%+ co phieu — tot cho < 50 tuoi
• Balanced: 70% co phieu + 30% trai phieu — mac dinh
• Conservative: thap hon rui ro, lai thap hon
• Index option: phi thap nhat, theo doi chi so

Câu hỏi thường gặp

Co the rut super truoc 60 tuoi khong?

Rat han che — chi trong truong hop kho khan tai chinh nghiem trong, benh tat terminal hoac roi Uc vinh vien.

Co nen gop them tien vao super khong?

Neu thu nhap cao va can giam thue, concessional contributions (truoc thue) la cong cu hieu qua.

Khong phai tu van tai chinh. Tham khao financial adviser co dang ky ASIC truoc khi dau tu.

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