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अस्ट्रेलीयामा सुपर निकाल्ने प्रकृया यस्तो छ (फोटो फिचरमा)

अहिले कोभिड -१९ को कारणले आर्थिक स्थिति कमजोर भएको प्रमाण देखाउन सके अस्ट्रेलियन सरकारले सुपर ( नेपालको प्रचलनको शब्दमा संचयकोष )  निकाल्न पाउने भन्दै गर्दा अहिलेको परिस्थितिमा सुपरको पैसा ननिकाले तपाइलाई दैनिकी जिवन बाच्नलाइ नै गाह्रो भयो भने मात्र निकाल्नुस , नत्र भने  जति जम्मा भएको छ रिटायर्ड लाइफ बिताउनलाइ राखि रहनुस भन्ने सल्लाह दिन चाहन्छु।  यदि तपाइँ अस्ट्रेलिया छाडेर सधैको लागि जादै हुनु हुन्छ भने त्यो बेलामा पनि यो रकम  निकाल्न मिल्छ ।

यदि तपाइँ सुपर निकाल्ने नै सोचाइमा हुनु हुन्छ भने,  त्यसको लागि आवेदन प्रकृया तपाईंले सोचे जस्तो  झन्झटिलो छैन, तपाइँ आफैले १० मिनेट  भित्र आवेदन दिन सक्नु हुनेछ, त्यसको लागि बुझ्न सजिलो होस् भनेर प्रक्रिया तल लेखेको छु र ति प्रक्रियाको फोटो पनि हालेको छु, एकपल्ट हेर्नु होला, 

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The outbreak of corona virus has caused massive financial distress and International students are the most vulnerable one. Australian Government has offered the early access to super on the ground of financial difficulty. It may tick short-term worries but it will have long term financial impacts in your retired life. Please be mindful of below issues before accessing your super :

Less money in retirement – Younger you are , the greater the financial impact. Accessing 10k today could result loss of hundred of thousands dollars during retirement. (refer to Investment return rate and financial modalities)

Normally more than 70% of your super money is invested in shares. Considering the recent hit in share markets you are losing money which you would recover in due course.

Loosing life insurance – This is the most important point international students shall consider when  superannuation  balances are low. From  1 April 2020, if your super balance fall below 6000, default  cover of life insurance, Total & Permanent Disability Insurance (TPD) and income protection insurance could be cancelled.

 

Therefore, I strongly urge to keep super access as a last option. But if you genuinely believe you have no option left,  accessing super  is not as difficult as you think, it is very easy and will not take more than 10-15 minutes. If you try by yourself, it gives you confidence to carry out your work by yourself. You  don’t need to go and visit any tax agents or pay any fees and spend your time visiting them. 

Anyone with  average computer skills can access super my login to mygov account. Please have a look on the step by step guideline below to access super.

Step 1 – Login to mygov account

Step 2 – It will take you to home page, please go to services section and click Australian Taxation office ATO icon.

Step 3 – Go to For Action  section and click Coronavirus release option

Step 4 – It will take you to page displaying Coronavirus – early release of super, Click Apply option.

Step 5- Eligibility (tick the appropriate category and requirement options)

Step 6 – Click the correct reason

Step 7 – Simply fill the amount you want to withdraw (please be advised you can only request to release up to 10,000 this financial year). Fill the Bank details and click the next option. It will take you to the summary page.

Once you review the details, please submit it. Upon submission you will get text from ATO within 72 hours. And Payment will be made generally within next 5 working days.

Via  NRNA General Secretary Dr. Gyanendra Regmi 

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