求其是但喇
2023-8-23 11:49:13
個文化唔一樣啦可能
你想買保險, 你唔搵我買都得架
如果你搵我買, 我就幫你計哂你最好買幾多
因為好多時你買, 你唔知自己應該買幾多
買邊隻, stepped premium or level premium
點樣買, inside or outside super or both
呢D你咪要我地advice囉
求其是但喇
2023-8-23 11:51:19
呢個睇admin fee 同 portfolio management fee
某程度上梗係愈高愈抵啦,因為at the end
SMSF admin fee is flat fee, unlike super platform which is percentage based.
我假設淨你你同你老婆啦,簡單D
你地2個preservation age唔同唔會影響到你, SMSF 既好處係flexible.
你夠鐘可以用自己D錢你咪convert your accumulation to a pension while your wife can still stay in accumulation phase until she retires.
SMSF另一個selling point 係 estate planning. 假設你2個super入面taxable component好高
which means 你兩個死左, 你兩個小朋友要繼承既話要俾好多death benefit tax.
咁呢有2個做法. (係合法既,不ATO依家試緊可能唔俾做)
1. 你未死個陣做一個叫 withdraw and re-contribute既動作 即係你withdraw D 錢再contribute as non-concessional contribution (因為non-concessional contribution係tax-free,所以D錢會去做tax-free component instead of taxable) 但注意cap is 330k over three financial years.
2. 你就死但死唔哂個陣, 簽張withdrawal form, 一野拎哂D錢出黎放入銀行戶口.
咁你死個陣無super, D錢係銀行戶口= tax free for your children.
求其是但喇
2023-8-23 12:14:27
其實estate planning for smsf
基本操作係spouse as the beneficiary 之後D錢就去estate
then follow the will.
除非你死得早啦, 如果唔係, 呢個應該算係standard set up.