I-Ostreliya idlala indima ephambili ekulungiseni ugcino-mali lwemeko-bume yelizwe oluhlala umhlalaphantsi. Ngokudityaniswa kwemithetho yerhafu, imiqathango yomnikelo, ulawulo lotyalo-mali, nemimiselo yokurhoxa, iinkqubo zeBhome ziphembelela ngqo ukuba i-Australia iqokelele kangakanani na ingeniso yomhlala-phantsi. Kwiminyaka elishumi edluleyo, iinguqu zemigaqo-nkqubo ezilandelelanayo ziye zafuna ukulungelelanisa ukubhatala, ukungalingani, nokungaguquguquki. Ukuqonda le migaqo kuyimfuneko kubantu abaceba umhlala phantsi, abaphathi bemali abakhokela abazamkeli.

Ukwakhiwa kwenkqubo yololongo lwase-Australia

Inkqubo yokukhupha ephezulu yase-Australia isebenza njengeyokunyanzelisa, exhaswayo, echazwayo, iqhinga lokunika. Abaqeshi kufuneka banikele ngepesenti yemali esetyenziswa ngumqeshwa ngamnye ofumana ixesha kwimali ehamba kunye. Le mali inikezelwa ngaphezu kwamashumi eminyaka, idityaniswe nenkomfa evelisa intlawulo yengeniso yomhlala-phantsi kunye ne-Purdéntial Regamential Aguement Ague (APRA), i-Sacerities and Investicesments Commissions (ASIC), kunye ne-Ostrean Marsication Office (ATO) yemali ye-Ostrean (ATO) yemali yobuqu.

Iimpawu ezingundoqo zenkqubo ziquka i- Supanuation Stifict Stificts (SG), efuna iminikelo encinci yomqeshi, kunye noludwe lwerhafu ecelelwe ukukhuthaza ukugcinwa kwemali yokuzithandela. Iinkqubo zemali zibumba yonke imiba-nkqubo yemali – ukusuka kwindlela iminikelo ehlawulwa ngayo xa imali ifumaneka.

Isiqinisekiso Sokongamela: Isiseko

Umlinganiselo weSG unyuke ukusuka kwisi-9.5% ukuya kwi-10% njengoJulayi 2021, kunye nolwandiso oluthe lwanyukela kwi-12% ngoJulayi 2025. Olu lwando ngokuthe ngcembe luyinkqubo yeTree ejolise ekunyuseni umlinganiselo womhlala-phantsi. Iiprojekthi ze-Ostreliya zokuthi unyuko ukusuka kwisi-9.5% ukuya kwi-12% luza kunyusa imali yomhlala phantsi yomqeshwa womgcini---ndaba ofumana imali engamashumi amawaka eerandileyo kubomi bomsebenzi.

Iintlobo zeNgxowa-mali ePhakamileyo

I-Australia ingakhetha kwiintlobo ezininzi zemali edityanisiweyo: iimali zoshishino (ngengokwenza ingeniso), imali yentengiso (yokwenza ingeniso), imali yenkampani, imali yamacandelo karhulumente, kunye nokuzilawula ngokwayo kwemali engaphezulu (SMSFs). Udidi ngalunye luphantsi kwemithetho efanayo yemali ebanzi kodwa eyahlukileyo kwigunya, kwimibutho yemali yemali, kunye nokukhethwa kwemali yemali. Iinkqubo zemali yemali, ezifana nemali yequmrhu lorhulumente, uSuper Soger notshintsho kunye ne lwexesha elizayo, umgangatho wakho omkhulu [[FLT] , ukhuthule, ukhuthulo, ukhuthumelo, ukhuthuze ukuva, ukunciphisa, ukhuthulo, kunye nokungagqibelwa kwemali esekelwe ekusebenze.

Irhafu eBalulekileyo: Indlela Ukwanda Koqoqosho Okuyintsebenziswa ngayo

Uphatho lwerhafu yeminikelo yenye yezona zixhathiso zinamandla zeveli yemali ezisetyenziselwa ukuphembelela ukugcinwa komhlala-phantsi. Iminikelo yehlela kwiindidi ezimbini ezingundoqo: ii-concesionsal kunye ii-'acessiality[[[FLT]]

Iminikelo yetyala (phambi kwe-62Tax)

Ezi ziquka iminikelo yomqeshi i-SG kunye nomvuzo 93. Zihlawulwa ngerhafu epheleleyo ye-15% ngaphakathi kwemali, xa kuthelekiswa nerhafu yerhafu ehlawulwayo, enokuba yi-47% (kuquka iMedicare levy). Kubanikazi abahlawulwa kakhulu, i-Universation isebenzisa irhafu e-293 – eyongezelelekileyo ye-15% kwiminikelo ehlawulwa ngabantu abahlawulwayo neminikelo edityanisiweyo engaphezulu kwama-R350 000. Le nkqubo ifuna ukucutheza inzuzo yabasebenzi abafumana imali ephezulu ngoxa igcina izikhundla ze-mali kubasebenzi abaninzi.

Ukususela ngo-1 Julayi 2017, ikepisi yonyaka emalunga neminikelo evunyiweyo ibingama-R2 500 (ifakelwe kwi-avareji yeVeki nganye yexesha eliqhelekileyo). Isigqibo sikaNondyebo sokuchonga ikepisi (ixesha lokuqala ukususela ngo-2017 eyenzeka ukususela ngo-1 Julayi 2024, ukunyuswa kwayo kunceda ukuqhuba isantya sokufumana umvuzo, kodwa kufuneka ukuhlolwa okuqhubekayo ukuthintela irhafu eninzi ekususeni koHlalelo.

Iminikelo engophicothi-zincwadi (Emva kweNtloko)

Iminikelo engeyoyoyantlawulo yemali yemali ye-75 yenziwa ngokusuka kwingeniso esele ihlawulwa yirhafu yaye ngoko ayihlawulwanga kwakhona kwingxowa-mali. I-kepi yonyaka ingu-R210 000 (inikwe ukuya kwi-R1 000) ngoku ukusuka ku-1 kweyeKhala 2024). Umthetho ozizise ngo_trawardrediya uvumela abantu abangaphantsi kweminyaka engama-75 ukuba banikele ngeminikelo yeminyaka emithathu engekhoyo yerhafu ngonyaka omnye, ibonelele [[FL:0] i-Total Suarciality Umbation (TSB) ayidluli kwishumi elinesidithathu se-R1. Ukuphuhliswa kwemilithathu nokugcinwa kweTSBS kuthintela abantu abaphezulu ekufikeleleni kwe-mastieveneevene, ukukhomba okuziswe yi-3666, ngoko kulawulo oluphantsi oluphantsi.[Fomatiyo oluphakathi]

Imithetho yokukhupha kunye nemiqathango yokufikelela

Iinkqubo zemali zilawulwa ngokungqongqo xa i-oyile enkulu ingafunyanwa, iqinisekisa injongo yenkqubo yokunika umhlala-phantsi ingeniso kunokusetyenziswa kwasekuqaleni. Ngokuqhelekileyo, ukulondolozwa kweminyaka (ngoku phakathi kwama-55 nama-60, kuxhomekeke kunyaka wokuzalwa) yiminyaka yokuqala eqokelelwe apho imali igcinwa khona. Ezi zinto ziquka ubunzima obukhulu bemali, ukungagqibeki kwendlela yokusebenza, ukugula okungagqibekiyo, izigulana, iindawo ezinemfesane, kunye ne-Super Home Saver Sound Sound Scheme (FLTS)[FLT].

Udweliso Logcino Lwendawo Yokuqala Yasekhaya (FHSSS)

Ngo-2017-18, iFHSS ivumela abathengi bokuqala bekhaya ukuba barhoxe ukuya kutsho kuR250 000 ngonyaka (iphelele iR250 000) ngemirhumo yokuzithandela nangemirhumo engeyoyayo yokuzithandela ukuxhasa ugcino-mali lwekhaya. Inkqubo yenzelwe ukuxhasa umgangatho werhafu ophezulu wogcino lwerhafu ngeli xesha isabangela ukuba kusetyenziswe i-R395 000%. Uthelekelelo lwezicwangciso lobuchule nokusebenza kwemali ezikhoyo kwimali ehlawulwayo, kunye neziphumo zemali ezikhoyo (ukususela kuma-202324) ukwandisa inani elilinganayo elilinganayo logcino-mali eliya-R4 000, kunye nokuvumela ukurhoxakeka kwemali e-85% yeminikelo elungileyo.

Izakhono zomhlala-phantsi – Utshintsho Oluncinci Kumhlala-phantsi (TTR)

Ekufikeleleni kwiminyaka yogcino nomhlala-phantsi (okanye iminyaka engama-65), amalungu angafikelela kwinqanaba lawo lokuqala. Kwisigaba sokuthatha umhlala-phantsi, ityala kufuneka lidibane imiqathango ephantsi ngonyaka emiselwe yi-Moota (ipesenti yama-65-74, 75% ngokweminyaka engama-75-79, njl.). Ngexesha le-CHOVP, i-octive, inciphisa umlinganiselo wemali okwexeshana ukuze iphephe ukuthengiswa kwemali enzima. [[FLT:] Umqondiso oqhelekileyo yi-TRANTRAN, ukuya kuwethulo (iindlela yama-59,75%,59,5,7,7,7,5], evumela ukulondolo olungaphaya komsinga lwe-TTRGS, ngexesha lokusebenza. I-TBSCS enika ingeniso egqithisileyo efumaneka ngokungenawongangeni lokusebenza kwithuba lokusebenza.[FTGracritive.[FFFFF:3]]

Imithetho yobonelelo kunye noLawulo

Imigaqo-nkqubo yemali imisela indlela imali eninzi egcinwe ngayo kumalungu ayo, ijolise ukulungelelanisa ukukhula kwexesha elide kunye nolawulo lomngcipheko. Emva kwengxaki yemali yehlabathi lonke kunye neekomishini yolawulo lwasebukhosini ezalandelayo, urhulumente wazisa iinguqu ezinkulu.

I-ECD

MySuper yimveliso engagqibekanga ephantsi evezwe [[FLT: 0] I-tronger Super utshintsho (202). Onke amalungu emali engagqibekanga abekwe kukhetho lweMySuper ngaphandle kokuba akhethe ngokukhutheleyo enye into. Ngo-2020, urhulumente uphumeze i Ikamva Lakho, iSuper [ ipakethe, equka uvavanyo lomsebenzi lwaminyaka leminyaka yonke olusetyenziswa ngu-PUPUAA. Iingxowanethi ezingaphumeleli ukuvavanya iminyaka emibini kukro zithintelwe ukwamkela amalungu amatsha kwaye kufuneka zazisekhoyo. Le nkqubo sele ikhokelele ekuvalweni kwemali eninzi emali kunye nokuqokelelwa kwemiqatha. Injongo yokuqhuba i-e-mali e-ecea.

Ulawulo – Indima Yokuthabatha Inyathelo Kwizona Nto Zilungileyo Zamalungu

Unyuselo lwakutshanje kuMgaqo-nkqubo woMphathiswa woMsebenzi woKhuselo (weSiphendu) 1993 (Umthetho weSisi) uqinisekise ukuba abathembiweyo kufuneka baqwalasele kuphela izilangazelelo zemali zamalungu xa enza izigqibo zotyalo-mali. Le “imfuno zemali ezithenjiweyo” ezisungulweyo ngo-2021 ngoMthetho weSigqibo soMgaqo-mali (Ixesha Lakho Lexesha Lethu Lekamva, iSikhulu) uMthetho othintela izigqibo ezisekelwe kwezinye iinjongo (umz., ukunwela iinjongo ngaphandle kokuba iidemontsele ezidi ezinxulumene nokubuya kwelungu). Le nkqubo ibangele ingxoxo, kodwa igcina iqinisekisa ukuveliswa kongeniso-mali emalinizibondayo kuphela ebekwe kwiziphumo zemali.

Ukhuseleko lwelungu lokuqinisa

Enye ilungu eliphambili leSifuthi sakho, utshintsho Lwakho Oluphezulu luyi uphando . Ngaphantsi kwale nkqubo, xa umqeshwa etshintsha imisebenzi, ityala lawo elikhulu elikhoyo liyalandela (i.e, “liqeshiwe”) ukunqanda ukwenziwa kwemininzi, umrhumo wetyala. Umba uqikelelo lungasindisa amalungu amalunga amaR2.8 amawaka ezigidi kwimirhumo eshumi leminyaka. UStupling ukwanciphisa imfuno yemali exabiso. Ukusebenza kwemali ebhankiweyo kuphathwele yi-Crecioser, kwaye ugcino-data lwangaphambili lubonisa ukuhla kwengxelo ekhutshweyo.

Irhafu Ikhuthaza Ukusindiswa Kwabantu Abaninzi Ngokuzithandela

Ngaphandle kweminikelo enyanzelekileyo, iNkcitho yeNkcitho yathumela iintshukumisa zerhafu ukuze ikhuthaze abantu baseOstreliya ukuba balondoloze imali engakumbi ngokuzithandela ukuze bathathe umhlala-phantsi.

Igalelo likaRhulumente

Uthelekelelo lwentlawulo olukhulu lwe-conunuation conunuation ephuma kwiminikelo yerhafu ephantsi ngo-256 kunye nombindi womvuzo. Kunyaka we-2023-24 wengeniso, owona mrhumo mkhulu wogcino-mali ungu $500 (50% yeminikelo yobuqu ukuya kuR1,000) kubantu abafumana imali engaphantsi kwama-$3,445; ihla phantsi ngokupheleleyo ku-R3,445. Izinga elingqinelanayo kunye nemiqobo lilungelelwaniswa rhoqo ngoTshengo ukubonisa ukunyuka nokuhlahlela okuphambili. Oku kuxhasa ukuqokelelwa kwezona zixhomekeke kwizixhobo ezinkulu neNtlanga.

Imali ehlawulwa phantsi Ifashoni ephezulu yerhafu (Uluhlu)

I-LITO ngumba ongahlawulekiyo ohlawula irhafu ngempumelelo i-15% yerhafu kwiminikelo evumelanisiweyo emalunga nama-500 eerandi ngonyaka kubantu abafumana ingeniso ehlawulwayo ngaphantsi ko-R37 000. Le nkqubo iqinisekisa ukuba abahlawulwa ngemali abaphantsi kwemali ehlawulwayo abafumana imali engaphantsi kwemali-mali-mali e-mali e-malini e-59% ayibalwa phantsi kwemali engenanto engaphantsi kwemali yerhafu eli-15% xa ithelekiswa nomlinganiselo womgangatho wabo ophantsi (onokuba ngu-0% okanye 19%). I-U-USO ixabisa uHBHAP malunga nezigidi ezi-R222,2,2,2,2,23 kodwa ityala ngenkqubela.

Iminikelo yabasebenzi abaphantsi

Ukususela ngo-1 Julayi 2018, abantu base-Australia abaneminyaka engama-55 ubudala nangaphezulu bangafak' isandla kuMadola angama-200,000 (angaphezulu) ukusuka kwimali ethengiselwa ikhaya labo libe likhulu, kungakhathaliseki ukuba kuphi na iimvavanyo zomnikelo okanye umsebenzi. Le minyaka yahliswa ukusuka kuma-60 ukuya kuma-55 kumhla 1 Julayi 20222 ukukhuthaza ukuhla nokukhulula izibonelelo zezindlu. Uvavanyo lweTrenti yemali lubonisa ukuba lungathwali kancinane, intlukhulu lweminikelo eya kubantu abaneTSB esezingaphezulu lee-R39,2,2 000 (nganjalo abangenakukwazi ukwenza iminikelo engangeyo i-69 yemali ehhoyo). Inkqubo yokwandisa imali egcinwa kwimizi yowiso-mali xa kunikwa i-mali yemizini yokuthengisa.

Iinguqu zomgaqo-nkqubo kaNondyebo wakutshanje kunye neziphumo ezithe zathathwa

Kwiminyaka emithathu edluleyo kuye kwakho utshintsho oluphawulekayo lweTreasure eninzi oluchaphazela ngokuthe ngqo iziphumo zogcino-mali oluthathe umhlala-phantsi.

Ukwanda koMmandla oPhakamisayo

Ulwando olucwangcisiweyo ukusuka kwisi-9.5% (2020) ukuya kwi-12% (2025) yongeza iincopho ezizii-5.

Amanyathelo Nokubonisa Imilinganiselo KaYehova – Ukukhuthaza Ulwando

Ukusukela ku-1 kweyeKhala 2024, iintambo ezivunyiweyo nezingezozilo zabekwa okokuqala ukususela ngo-2017, kunyuswa iikepisi ezivunyiweyo ukusuka kwii-R2 500 ukuya kwi-R2,000 ukuya kwi-R3 000-50 000. Oku kuchaza, kubotshelelwe kwi-AWOTE, kujoliswe ekuthinteleni ukubhabha okungenayo kwinkqubo apho abasebenzi abaninzi basondela kwimida yentsika ngenxa yokufumana ukwanda kunye ne-SG. Isigqibo se-CENCRP sokuqinisekisa ukuba iintambo zihlala zifanelekile ngaphandle kokuba kufuneke ukuthunyelwa rhoqo kwe-applic anders.

Ulwahlulo 293 Umda ongenazinzo kunye nolathiso

Ummiselo wengeniso wama-250,000 owenziwe umqadi ukususela ekuqaliseni kwawo ngo-2013, okuthetha ukuba abanikazi bemali abaphezulu abaphakathi babanjwa nyaka ngamnye njengoko ingeniso inyuka. Uqikelelo lweTree i-odoli luthe lwachaphazela malunga ne-2% yabarhafu ngonyaka ka-2013; ngo-2023, lumalunga ne-4%. Umlinganiselo wokwenza umqadi wemali ofumana imali eninzi onyusela umlinganiselo werhafu osebenzayo kwiminikelo yerhafu kwabo bangaphezulu nje komqobo. Ngoxa i-ondleko i-mali ingabhengezwanga isalathanga izikhombisi, inkqubo ilindeleke ukuba yandise ngakumbi, iphumele kwimiqathango yocwangciso-mali yoomatshini kunye noomathi bemali abasebenza emsebenzini.

Uphando lwamaqela omlinganiselo owahlukeneyo

Asingabo bonke abaseOstreliya abafumana imigaqo-nkqubo yeBhodi.

I-Low kunInfectors

Imali efunyenweyo inceda kwi-ISTO kunye ne-coplanow, kodwa iminikelo yabo esezantsi ye-SG (ngenxa yomvuzo ophantsi) kunye nokungabinawo amandla okugcina imali engakumbi kuthetha ukuba basathembele kakhulu kwiNkangeleko yeXesha. i-Cetator’s I-Infection Infection Review [2020]) ifumene ukuba inkqubo ephezulu isebenza kakuhle kakhulu kubantu abanemilinganiso eqhawukileyo yomsebenzi, ingakumbi abafazi nabasebenzi abaqhelekileyo. I-Policies ifana ne- SSUPANUMPART [[FLT] kuSishiciso somzali [ukuthiwe-20] (ukubhalisa kodwa okungangqukuva) isebenza kakuhle kakhulu, kwaye inxuluma kwidilesi ye-eadionele.

Amabhinqa Neengwevu Ezibalaseleyo

Amabhinqa athatha umhlala phantsi amalunga nama-25% eepesenti ezingaphantsi kakhulu kunamadoda ngokomlinganiselo, ngenxa yomvuzo ophantsi, ixesha eliphuma emsebenzini ukuze anyamekele, kunye nemigangatho ephezulu yemisebenzi. Iinkqubo zekota ezinika intlawulo ngqo (umz., i-coparacocontion) kunye nerhafu yokuhlawula irhafu (I-ISTO) zidla ngokuwanceda amabhinqa ngokuthelekisa ngakumbi kuba adla ngokuba zizibiyeli ezincinane zemali. Noko ke, umsantsa wesidibeko weCandelo leBhome uyaqhubeka. Umthetho woHlalo lwaMasikazi usoloko uquka imilinganiselo enjengokususwa kwe-450 (i-R4 ngenyanga (i-10222), eyandisa i-SG kunyaka ka-1 Julayibhili 20222), eyandisa i-SG kubasebenzi abaninzi abasebenza ngexesha eliphantsi eliphantsi, ubukhulu becala, ngokobungakanani bemali obumalunga nesiqingatha seminyaka emine.

Iingndlebe ezifunyenweyo kunye nolwamkelo oluphezulu

Abantu abaneTSB ngaphezu kwe-R1,9 lezigidi bajongene nemiqathango engekho semthethweni kwiminikelo, nabo bafumana imali engaphezu kwama-25 000 ehlawulwayo kwicandelo lemali yemali ehlawulwayo. Kubo banemali elinganayo engaphezu kwama-R3, ukusuka ku-1 Julayi 2025, umlinganiselo ophezulu werhafu emalunga nama-30% iza kusebenza kwingeniso yexesha elizayo (iii-R2,9,9% yezigidi zemali ekhutshiweyo. Le nkqubo, ebhengezwe kwi-2023/24 Uhlahlolo-mali, yenziwe ukwenza ukuvuselelwa kwerhafu engcono kakhulu yerhafu. Uhlalutyo lucebisa ukuba ichaphazele abantu abamalunga nama-80 000-5% (5% amalungu) kwaye inyuse ingeniso eebhiliyo ngo-2022.22.

Impembelelo yeNkcubeko ePhakamileyo yeNkcubeko yeNkcubeko

Iinkqubo zemali ezithe zafunyanwa ngumntu ngamnye kwiziphumo ezithe kratya zomhlala-phantsi, zineziphumo ezinzulu zezoqoqosho. Icandelo elikhulu ngoku lilawula ngaphezu kwee-R3,5 ezigidi zezigidi zezigidi zemali, liyenza ibe yenye yezona zinto zininzi ezigciniweyo emhlabeni. Intengo yexabiso lomhlala phantsi kwixabiso eliphezulu lemali karhulumente emalunga nama-45 ezigidi zezigidi zeerandi ngonyaka ngokungeyomali ehlawulwa yimali ehlawulwa yimali-2023-24), liyenza ibe yenye yezona ndleko zerhafu ezibiza imali eninzi. I-othemicinelo icacisa kakuhle enoba ezi mvume zinikela iziphumo ezifanelekileyo zomhlala phantsi kwemihlala-mali, nokuba ifanele na ihlawulwa yimali.

Utshintsho lwakutshanje, olufana novavanyo lomsebenzi, ukukhutshwa, kunye nekepisi yezigidi ezingama-3, ijolise ekunciphiseni ukulahlwa kwenkunkuma nokuphucula ubuchule benkqubo. Lo mnqophiso u-Intevotion Infivoting Infectrity [, eyaqala ukusebenza ku-1 Julayi 20222, ifuna abo bathe thamkelwe ngemali ephezulu ukumisela ubuchule bokunceda amalungu afumane ingeniso yomhlala-phantsi, kuquka nomngcipheko wobomi obude. Lo mnqophiso uguqula ukuqwalaselwa kokungagqibeleliswa kokuzinzisa ubomi kunye neqela lobuqu. Umbango uyasebenza ngoncedo lwe-APULA nolu SAC ukuze aqinisekise ukuba amalungu afumane ukhokelo olufanelekileyo nolungagqibekileyo.

Ukuthelekiswa Nezifundo Nezizwe

Inkqubo yemali enkulu yase-Australia isoloko ithelekiswa neyaseKhanada, eChile, eDenmark, nase-Netherlands. Iinkqubo zemali zibole izinto nganye. Umzekelo, inkqubo yemali engagqibekanga yase-Australia ifana nentabalala yemali yeChile kodwa ilawulwa ngamandla. Ukusekwa kwesigaba esincinci esitsalwayo (njengoko kufuneka ulwabelo oluncinane e-US) kuqinisekisa ukuba umgangatho omkhulu usetyenziswa kwingeniso kunokuba ugcinwe. Imodeli yemali echaziweyo yase-Netherlands iyafundwa kodwa ayikafundwa ngenxa yokuntshukuma kotshintsho.

Enye indawo apho uNondyebo aqhubeka efumana khona igalelo lulungelelaniso phakathi kwenkululeko nokunyanzelwa. Inkqubo yaseOstreliya inyanzelekile kakhulu kunemininzi, nto leyo enyusa ukudityaniswa kwengxelo kodwa ebangela ukuba umntu abe nemida engqongqo. Isigqibo se-Otherine sokugcina imithetho engqongqo yokulondoloza izilwanyana (ngaphandle kwe-FHSSS) sibonisa inkolelo yokuba ukunyanzeleka kuyimfuneko ukuze umntu angakwazi ukuzibamba.

Ukukhangela phambili: Umgaqo-nkqubo wexesha elizayo

Iinkupho eziliqela zikwimiba yeSakhelo soNyaka kwiminyaka emihlanu elandelayo. Ulwandiso olumiselwe kuqhawulo-mtshato lwe-SG ukuya kwi-12% luza kumiselwa ngokupheleleyo ngoJulayi 2025, kwaye iNgciwo yemali iza kulawula iziphumo zayo kwimivuzo yentlawulo kunye noHlahlo loHlawulo. Ulwandiso lwemiqathango luza kuqhubeka, lufuna utshintsho oluzenzekelayo. Ukuphathwa kwe-empepho enkulu kuqhawulo-qhawulo-mtshato kunye nendima ye-eyona ndawo iphezulu ekuhlawuleleni ingeniso (umz., ukuvumela ukurhoxina kwemali ekhoyo ekhaya) kuhlale kukho ingxabano. [FLT.[FLT: 0] Retirementation Review [[FLTLD:1] iyaqhubeka, ihlola iindlela zokwenza iingeniso ezifumanekileyo ezifumane umhlala ixesha elina.

Omnye umda yi[QUE:0] icebiso elikhuselekileyo elinobungozi kunye nobom bamalungu. Uveliswano luqwalasela indlela yokunciphisa iindleko zecebiso lobuqu ukuze abantu abaninzi base-Australia bakwazi ukuphucula iindlela zabo ezibalaseleyo kwinkqubo. Ubulunga beSicelo (2022) buncomela ukuba kukhululwe amanyathelo akhuselekileyo ezibuko ukwenzela icebiso eliphezulu; Uthengiselwano lucebisa ukusetyenziswa.

Ekugqibeleni, iGatyathelo leNqanawa (2023) labalaselisa ukuba inkqubo ebalaseleyo iya kufuneka ixhase umlinganiselo okhulayo wabahlali abanxulumene nabasebenzi. Kuza kufuneka ukuba uNondyebo alungise iPenteon yeXesha kuthetha ukuba kufakwe imithetho yokuvavanya i-speed nemigaqo ephezulu ukugcina ukulondolozwa kwemali.

Isiphelo

Iinkqubo zeTreasure zoNyaka yase-Australia aziyonkqubo engqinelanayo yokuzimela - i-asethi esoloko ichaza indlela abantu ngabanye, imali, kunye nezoqoqosho abasebenza ngayo kunye nogcino-mali olugciniweyo. Ukusuka kwisantya se-SG kunye neminikelo yee-paskep kuvavanyo lokwenza umsebenzi kunye nezivumelwano zengeniso yomhlala-phantsi, inkqubo nganye yenzelwe ngenyameko ukulinganisela iinjongo ezikhuphisanayo zobugqwesane, ukungalingani, ukulondolozwa, kunye nokuphumelela kwezoqoqosho. Ukuhlala usazi ngale mithetho kubalulekile ekwenzeni izigqibo ezifanelekileyo ngokuphathelele ukulondolozwa, ukulondolozwa, nokurhoxatyiswa kwemali eninzi. Kuba ilizwe, ukuphuculwa okuqhubekayo kwenkqubo yemali phantsi kokhokelo lukarhulumente phantsi kolawulo lukawonke, kunye nokuchaphaza ngqo kwimali yokhuseleko lwemali yohlalo-mali olude lwe-mali.