Wanderer Returns

That's good to know. Is that regardless of whether you make those withdrawals monthly, or as a one-off withdrawal at the tax year?

Andy and Ken, thank you both for your very helpful information. Unfortunately I will need the money in the next few months, which is why I'm considering taking the lump sum at this time. I don't have any available funds to make additional contributions into my Australian super, so I don't think the first suggestion (above) is going to help. And in both cases my money would remain in superannuation until I'm 60, although only having to pay concessional rate tax of 15% on the applicable fund earnings amount would be far more preferable. I've checked with them and my UK pension provider will allow me to take the 25% lump sum in more than one payment, so I definitely intend to do this. Just to clarify, if I was to make further withdrawals as lump sums rather than taking them as a pension, I'd only get taxed on the growth in the fund? And the best time to take a lump sum would be in March so my provider wouldn't withhold any (or very little) tax, and I wouldn't need to reclaim it from the HMRC. Is this correct?

Hi, I want to take a lump sum from my UK SIPP. I've read that Australia taxes the growth since you became a permanent resident. In my case this is roughly 50%. Using some arbitrary figures, if the value of my SIPP is now £150,000 then the growth part would be about £50,000. So if I took a 25% lump sum (which would be tax-free in the UK), would I be taxed on just that amount (i.e. £37,500), or would I be required to pay tax on the growth of the whole fund - the full £50,000? Secondly, is there anything I can do to make the above process more tax efficient? Thanks in advance.

Thanks for the clarification - most appreciated.

That's helpful - thank you for that. I was just concerned that my wife's visa might be cancelled after they had received her application. I recall reading something about needing a 'bridging visa' somewhere if you wanted to go overseas, but maybe that was misinformation. It would seem that the best time to go away would either between now and the test, or after approval and waiting for the ceremony, but not between taking the test and waiting for approval - as you have said.

My wife has recently applied for citizenship but we haven't heard anything yet. Is it okay to go on an overseas holiday in the meantime, or for that matter at anytime during the citizenship process up until the ceremony? Her British passport and RRV are well in date. I had a look at the Immi site and there doesn't seem to be any restrictions, but further clarification on the matter from those in the know would be appreciated. Thanks in advance.

A couple of quick questions, and apologies if this gets asked frequently but I wasn't able to find answers by searching the forum. I am currently helping my wife complete her application for Citizenship Firstly, is it okay to request the Citizenship appointment in a different location to ceremony? On page 12 of the online application form I have entered the preferred citizenship appointment location as Maroochydore because we live on the Sunshine Coast. Then on page 13, I have named the applicant's local council as Brisbane because that's where my wife wants to attend the ceremony. The reasons being that we'd heard the citizenship ceremony takes a really long time on the SC due to a backlog of applications and infrequent ceremonies. However, I was wondering if we should just make it Brisbane for both the appointment and the ceremony in case it looks a bit odd? Secondly, is your birth certificate required for the Citizenship application? For the first identity document (page 18) I have entered my wife's QLD driver's licence, and her bank statement for page 19 (evidence of residential address). For the second identity document required on page 20, it gives the option of 'Full birth certificate' or 'Other'. I have selected 'other' and entered her UK passport details because her birth certificate is in a language other than English, so we'd need to get it translated. I'd heard other people say that you definitely needed your birth certificate for the Citizenship application but unless I have completed the application form incorrectly, it seems like you don't? Many thanks in advance for clarification on these points.

Absolutely. Be my guest...

I certainly wouldn't argue with a RMA, but when I log into my wife's ImmiAccount there's a link to request visa cancellation.

I read the thread, Einstein - I was actually the first one to comment on it. The OP stated he is looking to travel to Australia with his family for Christmas, and later on that his wife is desperate to visit her family there. Your initial question and subsequent ramblings about exemptions weren't relevant because they were about leaving Australia - not travelling here. This was already pointed out to you on several occasions by Marisa, although you didn't seem to be able to get a grasp on that as you were too busy bagging the Australian government. I agree, renouncing one's citizenship or cancelling your a permanent visa is a drastic measure, and one that most people would never consider, but I was stating it's an option if the government wouldn't allow you to leave otherwise. If you never want to come back here to live, then what have you got to lose? (That's rhetorical, by the way) My original point still stands. It's poor show hijacking someone's else's post and then arguing with others about unrelated topics. Just start you own post in future. If you're finding life hard in Australia then God help you when you return to the UK - you attitude stinks. Although I believe they need a few truck drivers by all accounts I'll pipe down now.

And quite rightly so. I'd ordered from M&S online so was excited to receive an Aus post text saying it'd arrived after about 2 weeks, but when I returned home the package was for someone else who live a couple of streets away. I took his parcel around, so at least one of us was happy. My socks and grundies turned up about 10 days later

@Mmmbop In all fairness you would have known this had you taken time to read the thread from the start, rather than hijacking someone else's post for your own question. It's fine if the question is closely related, but clearly not if it leads to antagonistic debate about an unrelated matter. I've been a PiO member for nearly a decade and I've found it to be an invaluable source of information, and most members extremely helpful. Of course, if you come here looking for an argument then you will surely find one, but that's true of any forum. I appreciate not everyone is happy with Australia's travel restriction policy and some see it as an infringement of their civil liberties, but I'd suggest the 'Chewing the fat' section of the forum is the best place to discuss that. Any naturalized Australian has the right to renounce their citizenship, and any permanent resident can apply to have their PR cancelled - after which they can leave these shores without any restriction. That option has always been available to those who wish to leave Australia permanently, which makes the whole discussion about obtaining travel exemptions irrelevant. https://immi.homeaffairs.gov.au/visas/cancelling-a-visa

For state schools, check the ICSEA rating on the MySchool website. Any school rated 1050 or above is usually a decent school in a good area. https://myschool.edu.au/

Good move! I'm sure you won't regret it. There aren't many bad suburbs in Brisbane (it's not like Sydney and Melbourne), so it does comes down to what you can afford. Be warned there appears to be a distinct lack of affordable rental accommodation in S E Queensland at the moment (if you listen to the media), so I'd plan in advance. What's you rental budget? North-west and western suburbs are the most affluent, but not that far west that you reach Ipswich - that's a place to avoid. Also avoid Inala, Springwood, and Logan - and any suburbs in the surrounding areas. Brisbane is 1 hour drive from the northern end of the Gold Coast or 1.5 hours to the Sunshine Coast, so many choose to live half way between to be closer to the coast for the weekends. However, once you get into the Morton Bay areas (either north or south) it can get a bit rough - particularly the schools - so that's worth bearing in mind. This map is a few years old, but it might help with the suburbs.