I-Australian Treasurer inendima enkulu ekulolongeni imvelo ehlala ehlala endaweni yomhlalaphansi. Ngenhlanganisela yemithetho yentela, imingcele yomnikelo, ukubusa, nezimiso zokukhipha, izimiso zezimali zithonya ngokuqondile ukuthi i-Australia inqwabelana kangakanani ekutholeni inzuzo yomhlalaphansi. Phakathi neshumi leminyaka elidlule, izinguquko zezimiso ezilandelanayo ziye zafuna ukulinganisela ukulinganisela ukukhokha, ukungalingani, nokungaguquguquki. Ukuqonda lemithetho kubalulekile kubantu ngabanye ukuhlela umhlalaphansi, ukukhokha umhlalaphansi, ukuvumelana nezisebenzi zezimali.

Izakhiwo Zesimiso Se - Australia Esiphakeme

Isimiso sokukhipha i-athomu e-Australia sisebenza njengecebo eliphoqelelwe, elixhaswayo, elichazwayo. Abaqashi kumelwe banikele ingxenye ethile yemali evamile eholweni lezisebenzi ngasinye. Lemali ithengwa phakathi kwamashumi eminyaka, ibuye ibuye ibuye ihole inzuzo yomhlalaphansi kanye ne-Purdétial Regamed Authority (APRA), i-Australian Seciturality and Investicesments Commission (IC), kanye ne-Australian Officeractic Office (ATO) yemali ye-OSCIC (ATO).

Izici eziyinhloko zesimiso zihlanganisa i- Supanuation Stizect Isiqinisekiso (SG), esidinga iminikelo yabaqashi abancane, nohlu lwezivumelwano zentela eziklanyelwe ukukhuthaza ukugcinwa kwemali yokuzithandela. Izimiso zemali zihlela isici ngasinye esikhona mayelana nendlela iminikelo ekhokhwa ngayo uma ibhaywa ingafinyelelwa.

I - Earthème iqinisekisa: Isisekelo

Isilinganiso seSG siye sanyuka kusukela ku-9.5% kuya ku-10% kusukela ngoJuly 2021, lapho kunyukela khona enye i-microding ku - 12% ngoJuly 2025. Lokhu kwanda kancane kancane kuyinqubo yezimali eqondile ehloselwe ukuthuthukisa izilinganiso zomhlalaphansi. Imisebenzi ye-Australian Treasury yokuthi ukwanda kwemali yomhlalaphansi esukela ku-9,5% kuya ku-12% kuyonyusa imali yomhlalaphansi yomenzi we-mevesithi yomthola-internhain holifiter ngezinkulungwane zamaRandi esikhathini sokuphila.

Izinhlobo Zezimali Eziphakeme

I-Australia ingakhetha ezinhlotsheni eziningi zezikhwama: izimali zezimboni (ngezona inzuzo), imali (yokwenza inzuzo), izimali zenkampani, imali yenkampani, izimali zomphakathi, kanye nokuzilawula yona ngokwayo izimali ezinkulu (SMSFs). Uhlobo ngalunye lungaphansi kwemithetho efanayo yezezimali kodwa ihlukile ekulawuleni, ezikhwameni zemali, nasekuhleleni imali. Imithetho yezimali, njengemali yezemali [[FLT: 0]] i-Sprotoger Super inguquko ne [[FLT:] ikusasa lakho, iProput , ikhuphu yakho yeze, ikhuphuze ngenxa yokubona, ukuncishiswa kwemali, ukuncishiswa kwemali, nokuhlelwa kwemali okungahlelekile okusekelwe ekusebenzeni.

Ukunikela Ngentela: Indlela Ukulondoloza Imali Okulolonga Ngayo Ukwanda

Impatho yentela ingenye yezisetshenziswa ze-Ethernement ezinamandla kakhulu ekuthonyeni ukuziphatha kokugcina umhlalaphansi. Iminikelo iwela ezigabani ezimbili eziyinhloko: intengo ze- kanye [FLT]non.cosionsal[[[FLT:]

Iminikelo yezivumelwano (ngaphambi kwe - hẽlax)

Lezi zihlanganisa iminikelo yomqashi i-SG neholo 93. Bakhokhwa ngenani elishibhile lemali engu-15% phakathi kwesikhwama, uma kuqhathaniswa nentela ehholwayo yomuntu, engaphakama cishe nge-47% (kuhlanganise ne-Medicare levy). Abanikazi bemali enkulu, i-Cetation isebenzisa intela ye-Univition 293 – enye i-15% ngeminikelo ebolekwayo yabantu abaholwayo neminikelo ehlangene engaphezulu kuka-R450 000. Lenkambiso ihlose ukulinganisela inzuzo yabaholi abathola imali ephezulu kakhulu kuyilapho igcina intela yezisebenzi eziningi.

Kusukela ngo-1 July 2017, isikhonkwane saminyaka yonke seminikelo yemvume besingu-R2 500 (ithathelwe i-Avereji ye-Avery ye-VCCR (Isikhathi Esivamile Samahhala). Isinqumo se-Moondry sokukhomba i-kepisi (isikhathi sokuqala kusukela ngo-2017 senzeka kusukela ngo-1 July 2024, ukukhushulelwa kwayo kuya ku-R220 000) sisiza ekuqhubekeni nokukhuphuka kweholo, kodwa kudinga ukuqashelwa okuqhubekayo ukuze kuvinjelwe ukukhokhwa kwentela okukhulu kakhulu ekunqandeni iHlawulo.

Iminikelo Engenzeki Ngezikhawu (Ngemva Kwezawozi - Thutax)

Iminikelo engekho ngokomthetho yenziwa ngeholo elikhokhelwayo kakade futhi ngenxa yalokho ayikhokhiswa futhi esikhwameni. Isephu saminyaka yonke singuR240 000 (ilinganiselwa ku-R1 000 kuya ku-R110 000 kusuka ku-1 July 2024). Umthetho oletha i-paredietraduation uvumela abantu abangaphansi kweminyaka engu- 75 ukuba banikele ngeminikelo yeminyaka emithathu engakhokhiwe ngonyaka owodwa, inikeze yabo ye-Totannuation Benity (TSB) ukuba ingayidluli i-R150 000 000 (e). Ukungena kwabantu abangemuva) nokunciphiswa kweTSB kuvimbele abantu abaphezulu ekungeneni kwe-partum, ukukhokhiswa kwentela okunezelelwe ukuhliswa kwentela okungenayo.[FLTB]

Ngemithetho Yokudweba Nemingcele Yokuthola Izincwadi

Izimiso zemali zilawulwa ngokuqinile uma i-supernuation ingafinyelelwa, iqinise injongo yesimiso sokunikeza iholo lomhlalaphansi kunokulisebenzisa ngokushesha. Ngokuvamile, ukulondolozwa kwenkathi (manje phakathi kuka-55 no-60, kuye ngokwenkathi yokuzalwa) kungunyaka wokuqala lapho ibhange lihlanganiswa khona. Okuhlukile kuhlanganisa ubunzima obukhulu obungokwezimali, ukungalawuleki kwemali, ukugula okunganqamukiyo, izikhungo zozwela, kanye ne-Super Home Saver Spearship .

Umdwebo Wokuqala Womlondolozi Wekhaya Ophakeme (FHSSS)

Ngo-2017-18, i-FHSS ivumela abathengi bokuqala bendawo ukuba bathathe imali efinyelela ku-R250 000 ngonyaka (igcwele ingqikithi ka-R250 000) ngeminikelo yokuzithandela nengagunyazi) yokuxhasa indawo yokuhlala. Isimiso saklanyelwe ukuhlanganisa isimo sokusindisa intela enkulu kakhulu kuyilapho isakwazi ukwenza ukusetshenziswa okubonakalayo kwangaphambi kwemali. Izimali zibukeza ukuthatha nomphumela wemali ehlwini lwezindlu, ngoshintsho lwamuva (kusukela ku-202324) ukwanda kwenani elilinganiselwayo lokukhokha intela elingu-R350 000 futhi zivumela ukuhoxa okungulelwa kweminikelo esemthethweni esemthethweni.

Ukwehlisa Umhlalaphansi Nokushintshela Emhlalaphansi (TTR)

Lapho efinyelela iminyaka egciniwe kanye nomhlalaphansi 65, noma isiphi isikhathi esingaphambili, amalungu angafinyelela isibindi sawo. Enkathini yomhlalaphansi, ama-akhawunti kumelwe ahlangane aphansi kakhulu ngonyaka izimfuneko ezibekwa yi-Moolence ( kweyobudala obungu 65-74, 75% eminyakeni engu-75-79, njll]). Phakathi nenkathi ye-CHOVAD , umqedazwelo, i-Monday yesikhashana ukucutha lemali empompontshelwa ngempoqo. Isici esithandwayo yi-Mostation ([FL:2] ethatha iminyaka engu-59, 75% esukela eminyakeni engu-75-75-79, njl.) evumela ukulondolozwa kwemali lapho isasebenza. I-TBE inciphisa inzuzo encindisiwe ngehliswa ngehholo lentela, ngaphandle kokuhamba intela.[FLTFL:3]

Imithetho Yokutshala Imali Nokuqondisa Okusebenzayo

Izimiso zezimali zamisa uhlelo lwendlela amalungu aqongelela ngayo imali eshisiwe, ehlose ukulinganisela ukukhula kwesikhathi eside kanye nokuphatha ingozi. Ngemva kwenhlekelele yembulunga yonke yezimali nezinhlangano zasebukhosini ezalandela, uhulumeni waletha izinguquko ezinkulu.

Umthuthi Nokuhlolwa Kwemisebenzi

MySuper umkhiqizo ophansi owenziwe . . . . Amalungu emali ephutha afakwa ekhethweni leMySuper ngaphandle kokuba akhethe ngokuzikhandla enye indlela. Ngo-2020, uhulumeni washaya umthetho Ikusasa Lakho, iSuper iphakethe, ehlanganisa ukuvivinywa konyaka okusetshenziswa yi-PUPUAA. Izimali ezihlulekayo ukuvivinya iminyaka emibili emgqeni zivinjelwe ukwamukela amalungu amashayingi futhi kumelwe zazise amalungu akhona. Lesimiso sesiholele kakade ekuvalweni kwezimali eziningi ezikhokhelwayo nezingazo zonke. Imali ye-'ekhomputha yonyaka zihlela futhi zizuzise izinzuzo ze-mgangatho.

Ukubusa Kwamalungu — Isibopho Sokuthatha Inyathelo Ezithakazelweni Zawo Ezingcono Kakhulu

Ukwaziswa kwamuva nje kwezezimali kuyi-Instruction (Inani Elikhulu) Act 1993 (Umthetho we-SIS) kuye kwaqinisekisa ukuthi abantu abathembanayo kumelwe bacabangele kuphela izithakazelo ezingokwezimali zamalungu lapho enza izinqumo zokutshala imali. Lenqubo iveza impikiswano, kodwa igcina izimali ezigunyaziwe ngo-2021 nge-Othermations Refection (Isikhathi Sakho Sesikhathi Esizayo, Umthetho Ophakeme), inqabela izinqumo ezisekelwe kwezinye izinhloso (umz., ukunweba kwe-ESG ngaphandle kokuba amalungu amademoni ahlangene nokubuya). Lenqubo ibangele impikiswano, kodwa igcina iqinisekisa ukutshala izimali ngokomthetho ingeyo kuphela ezingozini yemali.

Isivikelo Sesitofu Nelungu

Esinye isici esiyinhloko seSivumo Sakho Esikhulu, izinguquko zakho ezinkulu yi- stapling. Ngaphansi kwalenkambiso, uma isisebenzi sishintsha imisebenzi, i-akhawunti yaso enkulu ekhona iyalandela (i.e., “iqediwe”) ukugwema ukudalwa kweminingi, ukukhokha ama-akhawunti. I-okheminti ilinganisela ukuthi ingasindisa amalungu amaRandi ayizigidi eziyizinkulungwane ezingu-20 (ayizigidi ezingu-20) ezinkokheni ezingaphezulu. I-Stapling inciphise nesidingo semali emba embayo. Ukuphumelela kokulawula i-Roperation, futhi ukugcinwa kwasekuqaleni kubonisa ukwehla kokulandisa okuphindwayo.

Intela Ihloselwe Ukusindisa Abantu Ngokuzithandela

Ngaphandle kweminikelo ephoqelelwe, amaqembu ezimali ayehlose izisusa zentela ukuze akhuthaze abantu base - Australia ukuba bonge imali eyengeziwe ngokuzithandela ukuze bathole umhlalaphansi.

Umnikelo Kahulumeni

Imidlalo yemali ekhokhelwayo ephuma ngemva kweminikelo yentela ngo-33 76 naphakathi yabaholi abaphansi. Ngonyaka weholo ka-2023-24, isamba semali egcwele i-con cishe ingu-R150 (50% yeminikelo yomuntu siqu efinyelela ku-R1 000) kubantu abahola imali engaphansi kuka-R240,445; ihamba isuka ngokuphelele ku-R3,445. Izinga elilinganayo nezinga lokuthola imali lilungiswa njalo ngekota ukuze kuboniswe ukwehla kwamandla emalini nasemalini ephambili. Lemali esetshenziswa ngokuqondiswe ngqo isekela ukuncikeka kwalabo abathembele kakhulu ku-R343,445,4443,43,443.

Intela Ephansi Ephakeme (U - LUKA)

I-LITO iyi-akhawunti yentela engakhokhwa ekhokha ngokuphumelelayo intela elinganiselwa ku-15% ngeminikelo evumelaniswe i-R3 500 ngonyaka kubantu abaholelwa imali engaphansi kuka-207 000 (R3,50). Lenkambiso iqinisekisa ukuthi abaholi bemali ehhhala abahliswayo abanciphiswe yimali engaphansi kwemali eyisicaba yemali yentela ye-15% uma iqhathaniswa nesilinganiso sabo somngcele (okungaba ngu-0% noma 19%). I-U-UNIO ibiza i-HAMBILERR ingu-RRR2222222 000 ngo-202222, kodwa iboshelwa ngentuthuko.

Iminikelo Yezehlisa Izikhali

Kusukela ngo-1 July 2018, abantu base-Australia abaneminyaka engu-55 nangaphezulu banganikela ngamaRandi angu-200,000 (angaphezulu) kusukela emalini yokudayisa ikhaya labo libe likhulu, kungakhathaliseki ukuthi kwakunezinsika zomnikelo noma ukuhlola umsebenzi. Lenkathi yehliswa isuka ku 60 kuya ku-55 ku-1 July 2022 ukuze ikhuthaze ukuncishiswa nokuhlwithwa kwezimpahla zokuhlala. Ukuhlola kweTreal kubonisa ukuthi kuthatha imali elinganiselwe, neminikelo eminingi eya kubantu abaneTSB eseyidlulele kuR4,9 000 (ngakho bengenakukwazi ukwenza iminikelo enganele engaphezulu kwe-176). Inkambiso yokwandisa imali egcinwayo yempakadrensi lapho kunikezwa ukuphumelela kwezindawo zokuthengisa izindlu.

Izinguquko Zesimiso Sezimali Samuva Nemiphumela Yaso Elinganiswayo

Eminyakeni emithathu edlule kuye kwaba nezinguquko eziningana eziphawulekayo eziye zashintsha ezithinta ngokuqondile izindleko zomhlalaphansi.

Ukwanda Kwesilinganiso Esiphakeme Kuqinisekisa Ngo - 12% Ngo - 2025

Ukwanda kwemikhakha kusuka ku-9.5% (2020) kuya ku-12% (2025) kwenezela amaphesenti angu-5,5 emali ewutholayo unyaka ngamunye. Ukukhomba nge-Mooral ne-Irractivity Commission kubonisa ukuthi esisebenzini esineminyaka engu-30 esithola imali ewunyunyana, lokhu kwanda kuzohlanganisa amaRandi angu-5,000 (kuMadollar anamuhla) esilinganisweni saso sokugcina. Nokho, isimiso siye sabhekana nokugxekwa okuvela emaqenjini abaqashini andayo, futhi izisebenzi zingathola inzuzo ephansi ngokushintsha. I-International Revoraliation Report (2023) yaphawula ukuthi ukwanda kwe-SG, ihlangene nokukhula kwabantu, kuyodinga ukuncitshiswa okuqhubekayo.

Amandla Nokusetshenziswa Kwe - Index – Ukusekela Ukuze Kusheshiswe Ukwanda

Kusukela ngo-1 July 2024, izikhonkwane ezivunyelweyo nezingavunyelwanga zabekwa okokuqala kusukela ngo-2017, kukhushulwa izikhonkwane ezivunyelwe kusukela kuR2 500 kuya ku-R220 000 kuya ku-R220 000 naku-ob69. Lokhu kuhlanganisa, kuboshelwe e-AWOTE, kuhloselwe ukuvimbela ukunyakaza kwebhula esimisweni lapho izisebenzi eziningi zisondela khona imingcele yenkokhelo elingana nenkokhelo elinganayo ehliswayo. Isinqumo se-ondrentine sokuqinisekisa ukuthi izihloko zihlala zibalulekile ngaphandle kokwenza i-appligic anders.

Ukwehlukanisa 293 Ukungena Kusikwe Nxazonke Nokubonisa

Umnyango wemali ehholo engu-R250 000 uqaliswe kusukela ekuqaleni kwayo ngo-2013, okusho ukuthi abaholi abaphezulu abaphakathi babanjwa unyaka ngamunye lapho kunyuka iholo. Umthetho ulinganisela ukuthi cishe amaphesenti amabili abakhokhi bentela athinteka ngo-2013; ngo-2023, isilinganiso semali ewushibhile cishe singu-4%. Isilinganiso semali ekhokhwayo esiwenyusa intela ekhokhwazwayo kulabo abangaphezulu kakhulu komnyango. Nakuba i-Center ingamemezelanga uhlelo lokulawula, kulindeleke ukuba inyuse ngokwengeziwe, kunciphe imali egcinwayo ebhangelwe isikhathi somsebenzi wobuchwepheshe nabaphathi bemisebenzi.

Ukucubungula Amaqembu Ahlukahlukene

Indlela lesi simiso esiklanywe ngayo ayibona bonke abantu base - Australia ababhekana nezimiso zezimali ezifanayo.

Izingulule Ezingenisa Imali

Imali ehhalayo iyazuza ku-ISTO kanye ne-coplace, kodwa iminikelo yabo ephansi ye-SG (ngenxa yomholo ophansi) nokuntuleka kokulondoloza imali eyengeziwe kusho ukuthi basathembele kakhulu enkathini yeNkathi. I-Mootary’s ] I-Infection Infection Review [2020] yathola ukuthi isimiso esikhulu sisebenza kahle kakhulu kubantu abanezindlela zomsebenzi eziphukile, ikakhulukazi abesifazane nezisebenzi ezivamile. I-Policies i-ocess injenge-[FLT] Supernuation ku Paretal Parectal Leat[[FLT] [FLT] [20] [ukute:] (ukuthiwa ngezwi kodwa kodwa engakathiwe) isebenza kahle kakhulu kulolu hlolo, futhi iklame.

Abesifazane Negebe Elinamandla Lokwahlukana Kwabesifazane

Abesifazane abathatha umhlalaphansi ngesilinganiso esicishe sibe ngu-25% kunamadoda, ngenxa yeholo eliphansi, isikhathi bengasebenzi ukuze banakekele, futhi basebenze isikhathi esiphezulu. Izimiso zezimali ezinikeza izindleko eziqondile (umz., i-co_ccoconconution) kanye nentela (Umphumela we-ILTO) uthanda ukuzuzisa abesifazane ngokulinganayo ngoba ngokuvamile banezinqolobane eziphansi kakhulu. Nokho, igebe lobulili lobulili liyaqhubeka. Izindleko zemali yemali yekota ngokuvamile zihlanganisa izilinganiso ezinjengakususwa kwe-450 (i-42) ngenyanga (i-SG (ifeza 1 Julayi 2022), ezandisa i-SG kuba izisebenzi eziningi ezivamile neziyingxenye yesikhathi esingabalwangazodwa, ikakhulukazi abesifazane ababebiza imali yokubhaliswa kwemali cishe izigidi eziyizigidi ezine.

Izindlebe Ezinomsoco Nezinga eliphakeme

Abantu abaneTSB engaphezulu kwezigidi ezingu-R2,9 babhekene nemithetho evimbelayo eminikelweni engekho 769 000, futhi labo abahola imali engaphezu kukaR250 000 ekhokha intela yokwehlukanisa 293. Kulabo abanemali elinganayo engaphezulu kakhulu kuka-R3, kusukela ngo-1 July 2025, izinga lentela eliphakeme le-30% lizosebenza emalini eholweni yesikhathi esizayo (imali engaphezulu kwemali engu-15%). Lenqubo, emenyezelwe ku-202324 Uhlalo Lwezimali, iklanyelwe ukwenza imvume yentela engcono kakhulu. Ukuhlolwa kwemali kusikisela ukuthi izothinta abantu abacishe abayizigidi ezingu-80 000 (5% bamalungu) futhi inyuse inzuzo engu-R272. Isilinganiso siye saphikiswa, ngokumangalelwa kwe-Retioperation, kodwa i-mali ivikela njengokufanele ukugcinwa kwemali.

Ithonya Lemithetho Ephakeme Yezezimali Nezezimali

Izimiso zezimali zokuthengwa kwemali ezisemgangathweni azikho nje ngemiphumela yomhlalaphansi womuntu ngamunye kodwa zinemiphumela emikhulu yezomnotho. Ingxenye enkulu manje inakekela imali engaphezu kwamaRandi ayizigidi eziyizinkulungwane ezingu-3,5,5 eziwukwenza kube ngenye yezithena ezinkulu kakhulu zemali yomhlalaphansi emhlabeni. Intengo ngezindleko ezinkulu kakhulu zikahulumeni cishe izigidi eziyizinkulungwane ezingu-5 zemali ehholiselwe ukulahlekelwa imali ewunyaka (2023/24) ilinganisela ukuthi iyinye yezindleko zentela ezibiza kakhulu. Imali ihlaziya ngokucophelela ukuthi lenkokheli iletha imiphumela yomhlalaphansi eyanele yini nokuthi izindleko zifanele yini.

Izinguquko zamuva nje, njengokuhlola ukusebenza, ukuthunga, kanye nekepisi eliyizigidi ezingu-3, zijolise ekunciphiseni ukulahlwa nokuthuthukisa ukusebenza kahle kwalesi simiso. I-Money’s I-Retive Invision Invimomement [, eyaqala ukusebenza ngo-1 July 2022, ifuna abathembisi bemali enkulu ukuba basungule indlela yokusiza amalungu afinyelele imigomo yomhlalaphansi, kuhlanganise nokulawula izingozi zobude besikhathi. Lesivumelwano sisusa ukugxila ekuncintisweni okumsulwa ekuncipheni i-cku, umkhiqizo okhuthaza isiqalo sokuphila okungaba ngu-202. Inkampani futhi isebenza nge-APURSA kanye ne-ASIC ukuqinisekisa ukuthi amalungu athole iziqondiso ezifanele.

Ukuqhathaniswa Nezifundo Zamazwe Ngamazwe

Isimiso sokukhipha i-operannuation sase-Australia sivame ukuqhathaniswa neseCanada, iChile, iDenmark, ne-Netherlands. Izimiso zezimali zibole izinto kuzo zonke. Ngokwesibonelo, isimiso semali esinephutha sase-Australia sifana ne-millifondos yaseChile kodwa nemithetho eqinile. Ukusungulwa kwesigaba esiphansi esidinga ukuthunyelwa (njengezilinganiso ezincane ezise-US) kuqinisekisa ukuthi itshe elisetshenziswa ukuze kuzuze imali kunokuba ligcinwe. I-Netherlands isibonelo somnikelo esichazwayo sifundwa kodwa asikafundwa ngenxa yobunzima bokuguqula izinto.

Enye indawo lapho iNdawo yezimali iqhubeka khona ithola khona ukuncishiswa kwenkululeko nokucindezelwa. Isimiso sase-Australia siphoqelekile kakhulu kunabaningi, okuthuthukisa ukuhlanganisa kodwa kubeke imingcele. Isinqumo seTreasury sokulondoloza imithetho eqinile (ngaphandle kwe-FHSSS) sibonisa inkolelo yokuthi ukucindezelwa kuyadingeka ukuze umuntu angalawuleki.

Ukubheka Phambili: Iziqondiso Zesimiso Semali Sesikhathi Esizayo

Omagazini abaningana basesimisweni sezezimali eminyakeni emihlanu ezayo. Ukwanda kwe-SG kuya ku-12% kuzakubekwa ngokugcwele ngo-July 2025, futhi i-Mooral izolawula ithonya layo emalini esebenzayo nasemalini yokusetshenziswa. Ukukhomba kweminikelo namabhuloho kuzoqhubeka, kudinga ukulungisa okuzenzekelayo. Ukuphathwa kwesasasa elikhulu ehlukanisweni nasendimeni yendlu enkulu ekukhokheleni (umzk., ukuvumela ukukhishwa kwemali elinganiselwe yemali egciniwe ekhaya) kuhlale kunengxabano. I-Facial’s [FLT: 0] Retirement Review [[FLCFLD:1] iyaqhubeka ihlola, izindlela zokufuna inzuzo engokwengeziwe yemali ethatha umhlalaphansi nezindleko ezitholakalayo.

Omunye umngcele yiye iseluleko esisebenzayo[ kanye nesithembiso sokuthembisana ngamalungu. Imali icabangela indlela yokunciphisa izindleko zezeluleko zomuntu siqu ukuze abantu abaningi base-Australia bakwazi ukuthuthukisa amasu abo amakhulu phakathi kwesimiso senqubo. i-Quality of Advice Review (2022) yatusa ukuba kukhululwe iziteshi eziphephile zetheku zeseluleko esikhulu; iMakethe ye-overence ihlola ukusetshenziswa.

Ekugcineni, i - Interreational Report (2023) yaqokomisa ukuthi isimiso esikhulu siyodinga ukusekela isilinganiso esikhulayo sabathatha umhlalaphansi ngokuphathelene nezisebenzi. Ngokunokwenzeka i - Treasury kuyodingeka ilungise iNkathi Yesikhathi isho imithetho yokuhlola ngezimiso ezinkulu ukuze kulondolozwe ukuqina kwemali.

Isiphetho

Izimiso ze-Australian Treasureal azisona isisekelo esiqinile --isimiso esiqinile semigomo elawulayo elokhu ihlela indlela abantu ngabanye, izimali, kanye nemali egciniwe egciniwe ethatha umhlalaphansi. Kusukela kwinani le-SG kanye neminikelo ye-pastein ukuze kwenziwe ukuhlolwa kwemisebenzi kanye nezivumelwano zemali ewumhlalaphansi, isimiso ngasinye siklanyelwe ngokucophelela ukulinganisela imigomo encintisanayo yokuzimela, ukungaguquguquki, ukulondolozwa, nokuphumelela kwezomnotho. Kubantu base-Australia, ukuhlala benolwazi ngalemithetho kubalulekile ekwenzeni izinqumo ezingokomthetho ngokuphathelene nokulondoloza, ukuvota, nokukwehlisa inzuzo enkulu.