IPA AU建议提高年度养老金缴款上限
2014年4月3日
澳大利亚公共会计师协会（IPA AU）表示，澳大利亚政府应该提升即将退休员工的年度养老金缴款上限。
IPA AU认为，应该将年龄介于50-60岁人群的年度养老金缴款上限增加至AU$50,000，超过60岁人群的缴款上限提升至AU$75,000。现行上限规定为AU$25,000（部分人群为AU$35,000）。IPA AU全球执行总裁安德鲁﹒康威先生表示：“通过提高50岁以上人群养老金的缴款上限，可帮助其在退休前几年更为充分地做好退休生活准备。”
据澳大利亚统计局的数据显示，目前在澳大利亚，年龄介于55-64岁之间人群的养老金平均余额，男性仅有AU$90,000，而女性为AU$60,000。
“对于政府来说，提高缴款上限在短期内是一项成本开支，但同时也会增加澳大利亚的养老金余额，继而减少未来依靠政府收入救济的人数。”
“除此而外，提高缴款上限将有助于那些节省更多工作时间来养家的女性，。”
“由于女性的平均养老金余额低于同龄男性（而非那些更为年轻的群体），为帮助他们做好退休准备，提供可增加养老金余额的机会和方法就显得尤为重要。”IPA AU全球执行总裁安德鲁﹒康威先生如是说。
原文如下：
LIFT CONCESSIONAL CAP, SAYS IPA
Thursday, 3 April 2014
The Government needs to increase annual concessional contribution caps for those nearing retirement, says the Institute of Public Accountants (IPA).
The IPA believes that the annual concessional contribution cap for those aged between 50 and 60 years should be raised to $50,000, and to $75,000 per annum for those aged over 60 years. Currently concessional contributions are capped at $25,000 (or $35,000 for certain members).
"By increasing concessional contribution caps for those aged over 50 years it would allow them to make more adequate preparations for retirement in their final years of employment," said IPA chief executive officer, Andrew Conway.
According to the Australian Bureau of Statistics, the current median superannuation balances of Australians in the 55 to 64 year age bracket for males is just $90,000, and $60,000 for females.
"Whilst in the short term increasing the concessional contribution caps may be a cost to the government, it will help to increase Australians" superannuation balances and therefore reduce the number of people reliant on government benefits in the future.
"Increasing the concessional contribution caps will also help women who take time out of the workforce to raise families.
"With women on average having lower superannuation balances than males of the same age (other than those in the youngest age bracket), it becomes even more critical that we provide them with the opportunity and means to increase their superannuation balances as they prepare for retirement." said Mr Conway.
