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澳币力学,每周讲透一个澳洲钱机制

工资牺牲、FHSS、HECS、super 上限……规则怎么算,我们就怎么讲。中文为主,英文全文对照。

AU Money Mechanics — one Australian money mechanism, explained fully, every week.

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你读到的是一般性信息,不是针对你的建议 · What you are reading is general information, not advice for you personally.
19 期免费连载
7 分钟每期阅读
$69/年创始价(第 20 期起)

01 — 这是什么

规则写死了,算清楚就行 Rules are rules; the job is to compute them correctly

澳洲的养老金和税务规则写在几百页的法条和 ATO 指引里,一般人啃不动,理财博主的版本也总差点意思。澳币力学每周只做一件事:把一个机制拆开,讲清楚规则、门槛、数字和后果,不讲"你该怎么做"。

每期都讲 / Every issue covers
  • 机制的规则是什么、适用于谁、门槛和数字是多少 what the rule is, who it applies to, the exact thresholds and figures
  • 钱怎么流动:用假设情形演示规则如何计算 how money flows, demonstrated with clearly-labelled hypothetical arithmetic
  • 常见误区:人们对这个机制最容易搞错的地方 common misconceptions, corrected as rule statements
  • 每个数字标注核验日期和来源,以 ato.gov.au 等原始来源为准 every figure tagged with check date and primary source
每期都不讲 / What it never does
  • 不告诉你该牺牲多少工资、选哪只 super 基金、要不要申报抵税 no recommendations on amounts, fund choice, or actions
  • 不比较哪种做法"更好",不做价值判断 never ranks options or judges which is better
  • 不提供个人财务建议 no personal financial advice

法律定位:本简报属于《2001 年公司法》s766B(4) 的一般性建议(general advice),并依赖 s911A(2)(eb) 的广播服务豁免。我们不是持牌财务顾问,不了解你的个人情况,也不会假设。这是硬性边界,不是口号。
Legal footing: general advice under Corporations Act 2001 s766B(4), relying on the s911A(2)(eb) broadcasting-service exemption. We are not licensed financial advisers. We do not know your circumstances and do not assume them.

02 — 一期长什么样

每期同一个结构,7 分钟读完 Fixed anatomy, ~7 minutes per issue

第 1 期节选 · 工资牺牲、税后供款与 FHSS:三扇门如何互相影响

Sample from Issue 01 · Salary sacrifice, after-tax contributions and FHSS: how the three doors interact

往 super 里放钱有三扇门:税前(工资牺牲)、税后(自己转),以及首次置业计划(FHSS)。税不一样,但三扇门共用同一个 $32,500 的优惠供款上限(2026–27 年度,含雇主强制缴纳的 12% SG)。

[verified 2026-09-28 · ato.gov.au]

年收入低于 $64,293 的人做税后自愿供款,政府按 50% 配比,最高 $500;年收入 ≤ $49,293 对应最高额度。但规则同时规定:一旦为这笔税后供款申报抵税,它就变成优惠供款,共同供款资格同时消失。两个机制互斥,是规则写死的,不是建议。

[verified 2026-09-28 · ato.gov.au]

HECS 不收传统利息,但每年 6 月 1 日按指数化调整:2026 年 6 月 1 日的指数化率为 2.8%。2026–27 年度强制还款门槛为 $69,528,还款按边际制计算:超过门槛的部分每 $1 还 15 分,超过 $129,717 的部分每 $1 还 17 分。

[verified 2026-09-28 · ato.gov.au]

完整一期约 7 分钟阅读,中英全文。上面只是第 1 期的一部分。
Full issues run ~7 minutes, Chinese with full English text. This is a fraction of Issue 01.

免费读 / Read free

03 — 免费连载中

接下来讲什么 Coming up in the free run

  1. #2 · Carry-forward 5 年规则
    Unused concessional-cap amounts from the last five years — how they stack
  2. #3 · 政府共同供款 $500
    Full eligibility list, and the "claim a deduction, lose the match" trap
  3. #4 · HECS 边际还款制
    The repayment bands and indexation — why salary sacrifice doesn't cut it
  4. #5 · 工资牺牲 × HECS 的隐藏互动
    Why sacrificed amounts are added back to repayment income
  5. #6 · Division 293
    The $250,000 line and the 30% tax — who it catches
  6. #7 · Division 296(正式立法口径)
    The enacted $3m tax: realised earnings only
  7. #8 · FHSS 时间红线
    Determination, contract, release — the sequence in the rules

免费连载到第 19 期;从第 20 期起,过往期数进入付费资料库。

04 — 价格

先免费读 19 期,再决定 Read 19 issues free, then decide

每周简报免费。第 20 期起,过往期数进入付费资料库(当前期 + 最近 4 期保持免费)。

创始会员 Founding
$69 / 年 · per year

付费库开放时的创始价。连续订阅期间永久锁价,中断后按当时价格重新加入。
Grandfathered while subscribed continuously.

查看测试结算 → TEST MODE
年度订阅 Annual
$129 / 年 · per year

完整资料库 + 搜索 + 每年 7 月 1 日更新说明 + 未来所有简报。
Full archive, search, annual 1-July refresh notes, all future briefs.

查看测试结算 → TEST MODE
✓
30 天无理由退款(年付计划)。退款针对产品是否合适,不针对"建议有没有用" —— 因为本产品不是建议。
30-day money-back on annual plans — for product fit, not advice remediation.
STAGED — 付费通道尚未上线,不收款、不部署、不收集支付信息。价格为已定方案,第 20 期付费库开放时生效。

05 — 常见问题

先问清楚 Questions, answered plainly

这是理财建议吗?
不是。本简报是《2001 年公司法》s766B(4) 下的一般性信息,解释机制如何运作,不针对任何人的具体情况,不构成行动建议。我们不是持牌财务顾问。No. This is general information under s766B(4) — it explains how mechanisms work, for no one's situation in particular. We are not licensed financial advisers.
数字从哪里来,多久更新一次?
以 ato.gov.au、Services Australia 和立法原文为准;每个数字标注核验日期。澳洲税法每年 7 月 1 日可能调整,每期标注适用年度,旧期数的数字以当时核验为准。Primary sources: ato.gov.au, Services Australia, legislation. Every figure carries its check date; figures stand as at their issue's year.
免费版能读到什么?
每周一期免费简报,中英全文,随时退订。第 20 期起,过往期数(除最近 5 期外)进入付费资料库。One free brief every week, full bilingual text, unsubscribe anytime. From Issue 20, older issues (beyond the latest 5) move into the paid library.
什么时候开始收费?多少钱?
第 20 期起开放付费库。创始会员 $69/年(连续订阅锁价),正式年费 $129/年,30 天无理由退款。目前什么都不卖 —— 上面是已定方案,不是购买链接。Paid library opens at Issue 20: $69/yr founding (grandfathered), $129/yr standard, 30-day money-back. Nothing is for sale yet.
我可以转发给朋友吗?
可以。每期页脚都有转发链接,转发给正在研究这个问题的朋友。Yes — every issue carries a forward link. Forward to a friend who's working through this.
回信会得到个人建议吗?
不会。所有回信收到模板自动回复:我们不提供个人财务建议。如果你发现某期数字或规则描述有误,请指出期号和句子,我们会公开更正。No. All replies get a templated auto-reply: we don't give personal advice. Spot an error? Tell us the issue and sentence and we'll correct it publicly.

06 — 谁写的

读规则的人 Written by someone who reads rulebooks

作者长期研究澳洲的规则文本 —— 税务、养老金、土地规划,都是同一类东西:规则写死了,算清楚就行。这套简报就是把"算清楚"这件事,做成每周一期。
Written by someone who reads Australian rulebooks for a living — tax, super, planning law: rules are rules; the job is to compute them correctly. This brief does that, weekly.

一般性信息,非个人财务建议。 本简报仅以一般性方式解释澳洲养老金与税务规则的运作机制,未考虑您的个人目标、财务状况或需求,不构成任何行动建议。数据在撰写时已对照 ato.gov.au 核验,但可能随政策调整而变化。做出任何决定前,请咨询持牌财务顾问并阅读相关产品披露声明(PDS)。我们不是持牌财务顾问。如有错误,请回复本邮件,我们将公开更正。
General information only — not personal financial advice. This brief explains how Australia's superannuation and tax rules work in general terms. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to take any action. Figures are checked against ato.gov.au at the time of writing and may change. Before making any decision, consider seeking personal advice from a licensed financial adviser and read the relevant Product Disclosure Statement. We are not licensed financial advisers. Corrections: reply to this email and we will correct errors with a visible note.

示例数字来源:ATO "Key superannuation rates and thresholds"、"About FHSS release amounts"、"Government contributions"、"Study and training loan repayment thresholds and rates"、"Study and training loan indexation rates" —— 2026-09-28 直接核验 ato.gov.au,适用于 2026–27 年度。

页面状态:预上线版本 —— 订阅表单与付费通道尚未接入;法律定位说明(s766B(4) / s911A(2)(eb))待独立法律审查通过后方可发布,目前不发布、不推广。

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