pension fund annual drawdowns are not included in sapto
the shade figure is where you start to get off the sapto goodness (not where it ends)
the end point is about $40K
between shade point and cut off you just start dribbling little bits of medicare levy on some calculation - but it is not a great deal of $ ( my head says that at near $40K you still only pay in the hundreds of dollars in total tax)
once you go over sapto cut off (about $40K) you go back to the usual $18K first threshold usual tax arrangements - as in, sapto does not exist for u.
sapto is to sorta make up for the govt pension handout that others are getting ............ it is only for non-govt welfare old people.
