8道题，测出你对自己养老金（super）和退休的理解。我们非常重视每位用户的宝贵意见，期待您的参与！现在我们就马上开始吧！

参考答案：

1. 政府调查数据显示，退休后如果想要维持现在的生活水平，需要退休前收入的67%

2. 养老金每年管理费用节省10%，也才不过几十澳币，然而每年回报降低3%，将会远远大于节省下的管理费。而且这一数据在长期复利计算下，将会越积攒越多。

3. 现在9.5%，根据政府规划，将来会上涨到12%。

4. Commonwealth Seniors Health card 和 the Seniors Supplement 只是两个例子，退休后福利不仅有pension。

5. 养老金税率15%，避交高额个人所得税的良方。

6. 养老金设立的作用是为退休后做准备，一般情况下不可随意提取。

7. SMSF内成员自负盈亏，ATO建议典型的SMSF内金额$20万。
   

8. 是的，因为像Jim一样的自雇人士，每年可以有$3万养老金额度，可以提供抵税。

自雇人士参考资料：

Self-employed people often earn a decent income while working, but without the benefit of employer-paid superannuation contributions, find they have very little money to live on in retirement. Almost a quarter of self-employed Australians had no superannuation at all in 2012, according to research by the Australian Super Funds Association (ASFA).

Don't rely on selling your business to fund your retirement. Without your involvement, your business may be worth less than you think. Many business ventures can also be hard to sell. Instead, think about building a separate pool of retirement savings.