澳大利亚超级首席执行官主张制定更简单的超级规则,但批评家们说,真正的障碍是资助服务问题,而不是复杂问题。 AustralianSuper CEO pushes for simpler super rules, but critics say fund service issues—not complexity—are the real barrier.

澳大利亚超级首席执行官保罗·施罗德(Paul Schroder)正在推动制定更简单的退休金规则,以帮助退休人员重返工作岗位,并称复杂的账户分离是一个障碍。 AustralianSuper CEO Paul Schroder is pushing for simpler superannuation rules to help retirees return to work, citing complex account separation as a barrier. 然而,批评者认为,真正的问题是大量基金提供的服务很差,包括死亡抚恤金拖延达1 140天,而不是监管的复杂性。 However, critics argue the real issues are poor service from large funds, including death benefit delays of up to 1,140 days, not regulatory complexity. 现行制度把征税积累账户与免税养恤金分开,目的是提高透明度和适当的税务待遇。 The current system, which separates taxed accumulation accounts from tax-free pensions, is designed for transparency and proper tax treatment. 顾问们说,灵活性的主要障碍是资金对账号实行限制,阻碍税收节约战略。 The main obstacle to flexibility, advisers say, is fund-imposed limits on account numbers, blocking tax-saving strategies. 专家们敦促提供资金,改善基本服务,如及时付款和客户支持,而不是修改立法。 Instead of legislative change, experts urge funds to improve basic services like timely payouts and customer support. 对于退休人员来说,使用对配偶超级养恤金的非减让性缴款可以减少应纳税部分,而无需ATO批准。 For retirees, using non-concessional contributions to a spouse’s super can reduce taxable components without ATO approval.