澳大利亚退休金将面临对服务和改革的审查,并提供咨询意见,以理解关键术语和保护财政。 Australian superannuation faces scrutiny over service and reform, with advice to understand key terms and protect finances.

退休金行业因服务差、改革不足而面临批评, ASIC专员Simone Constant强调这些问题。 The superannuation industry is facing criticism for poor service and lack of reform, with ASIC Commissioner Simone Constant highlighting these issues. 要保护自己,关键是要理解成员福利和死亡福利等术语,前者是对活成员的免税付款,后者可以吸引17%的税收。 To protect oneself, it's crucial to understand terms like member benefit, which is a tax-free payment to a living member, and death benefit, which can attract a 17% tax. 该条建议保留至少三年计划的现金支出,任命一名值得信赖的律师,并了解超级基金中应纳税的部分。 The article recommends keeping at least three years' planned expenditure in cash, appointing a trustworthy attorney, and understanding the taxable components in super funds. 这有助于避免潜在的税务问题,并确保财政安全。 This helps avoid potential tax issues and ensures financial security.