公務員退休金 擬改個人帳戶 - 考試
By Queena
at 2021-11-28T09:30
at 2021-11-28T09:30
Table of Contents
公務員退休金 擬改個人帳戶制
聯合新聞網2021-11-28 01:56
https://i.imgur.com/TH8g2d8.jpg
公務員退休金示意圖 報系資料照
公務員退休金示意圖 報系資料照
銓敘部近期正研議新進公務人員退撫制度,從2023年7月起,將從確定給付制,改為確定
提撥制。
未來公務員將比照勞退新制,擁有個人退休金帳戶,不必像現在,月月把錢投到退撫基金
大水池,以後就是「自己的退休金,自己存」了。
銓敘部官員指出,現行公務人員退撫制度採確定給付制,政府要負責退休公務人員的退休
經費,財務壓力實在太大,考量國庫負擔和世代公平,目前傾向納入確定提撥制。
目前該方案還在彙整各方意見中,預定年底前提報考試院審查,明年2月函請立院審議,
盼2023年7月1日起實施。
現行公務人員退撫基金是從1995年建立,由政府與公務人員每月各自撥繳薪俸的65%、35%
至退撫基金。待公務人員退休時,依照薪資水準及服務年資,從基金領取退休金,這是一
種共同儲金制度,由國家扮演「確定給付」角色。
官員解釋,確定提撥制運作模式,會像勞工從2005年開始實施的勞退新制,亦即公務人員
在工作期間,每月定期提撥一定數額退休基金在帳戶中,交付信託保管運用,等到退休時
再提領本金和利息,做為退休金。
簡單的說,就是「自己存錢自己領」、「工作期間繳得越多,退休後領得更多」。至於做
為公務員最大雇主的政府,未來也會有相應提撥比例。
另外,因未來新進公務人員的退休金帳戶,跟目前的勞退新制一樣,都可以帶著走。政府
也期盼,新制上路後,政府和民間私部門的人才,有機會相互交流與支援。軍公教年改上
路兩年多,銓敘部預料年底針對新進公務員提出退休金新制,但退撫基金破產問題仍刻不
容緩。
據去年3月退撫基金精算報告,截至去年,退撫基金應領取給付及在職人員未來淨給付精
算現值為3兆3,763億餘元,扣除已提存退撫基金6,496億餘元,未提存精算應計負債仍高
達2兆7,267億餘元。
審計部報告也指出,退撫基金投資績效表現不佳,近十年度績效介於負5.98%至10.62%
間,並未達到目標投資報酬率。預估2041年度退撫基金餘額將開始出現負數。
https://i.imgur.com/jqLPQOz.jpg
圖/經濟日報提供
圖/經濟日報提供
https://udn.com/news/story/7238/5921821
未來公務員的退休金,自己存,存越多,領越多,這樣的設計方式,就像目前的勞退新制
。
--
聯合新聞網2021-11-28 01:56
https://i.imgur.com/TH8g2d8.jpg
公務員退休金示意圖 報系資料照
公務員退休金示意圖 報系資料照
銓敘部近期正研議新進公務人員退撫制度,從2023年7月起,將從確定給付制,改為確定
提撥制。
未來公務員將比照勞退新制,擁有個人退休金帳戶,不必像現在,月月把錢投到退撫基金
大水池,以後就是「自己的退休金,自己存」了。
銓敘部官員指出,現行公務人員退撫制度採確定給付制,政府要負責退休公務人員的退休
經費,財務壓力實在太大,考量國庫負擔和世代公平,目前傾向納入確定提撥制。
目前該方案還在彙整各方意見中,預定年底前提報考試院審查,明年2月函請立院審議,
盼2023年7月1日起實施。
現行公務人員退撫基金是從1995年建立,由政府與公務人員每月各自撥繳薪俸的65%、35%
至退撫基金。待公務人員退休時,依照薪資水準及服務年資,從基金領取退休金,這是一
種共同儲金制度,由國家扮演「確定給付」角色。
官員解釋,確定提撥制運作模式,會像勞工從2005年開始實施的勞退新制,亦即公務人員
在工作期間,每月定期提撥一定數額退休基金在帳戶中,交付信託保管運用,等到退休時
再提領本金和利息,做為退休金。
簡單的說,就是「自己存錢自己領」、「工作期間繳得越多,退休後領得更多」。至於做
為公務員最大雇主的政府,未來也會有相應提撥比例。
另外,因未來新進公務人員的退休金帳戶,跟目前的勞退新制一樣,都可以帶著走。政府
也期盼,新制上路後,政府和民間私部門的人才,有機會相互交流與支援。軍公教年改上
路兩年多,銓敘部預料年底針對新進公務員提出退休金新制,但退撫基金破產問題仍刻不
容緩。
據去年3月退撫基金精算報告,截至去年,退撫基金應領取給付及在職人員未來淨給付精
算現值為3兆3,763億餘元,扣除已提存退撫基金6,496億餘元,未提存精算應計負債仍高
達2兆7,267億餘元。
審計部報告也指出,退撫基金投資績效表現不佳,近十年度績效介於負5.98%至10.62%
間,並未達到目標投資報酬率。預估2041年度退撫基金餘額將開始出現負數。
https://i.imgur.com/jqLPQOz.jpg
圖/經濟日報提供
圖/經濟日報提供
https://udn.com/news/story/7238/5921821
未來公務員的退休金,自己存,存越多,領越多,這樣的設計方式,就像目前的勞退新制
。
--
Tags:
考試
All Comments
By Ophelia
at 2021-11-28T18:34
at 2021-11-28T18:34
By Rachel
at 2021-11-29T03:37
at 2021-11-29T03:37
By Una
at 2021-11-29T12:41
at 2021-11-29T12:41
By Kelly
at 2021-11-29T21:45
at 2021-11-29T21:45
By Edwina
at 2021-11-30T06:49
at 2021-11-30T06:49
By Tom
at 2021-11-30T15:52
at 2021-11-30T15:52
By Oscar
at 2021-12-01T00:56
at 2021-12-01T00:56
By Lily
at 2021-12-01T10:00
at 2021-12-01T10:00
By Dinah
at 2021-12-01T19:03
at 2021-12-01T19:03
By Edith
at 2021-12-02T04:07
at 2021-12-02T04:07
By Yuri
at 2021-12-02T13:11
at 2021-12-02T13:11
By Jack
at 2021-12-02T22:14
at 2021-12-02T22:14
By Tracy
at 2021-12-03T07:18
at 2021-12-03T07:18
By Emily
at 2021-12-03T16:22
at 2021-12-03T16:22
By Kyle
at 2021-12-04T01:25
at 2021-12-04T01:25
By Ivy
at 2021-12-04T10:29
at 2021-12-04T10:29
By Olive
at 2021-12-04T19:33
at 2021-12-04T19:33
By Oscar
at 2021-12-05T04:36
at 2021-12-05T04:36
By Heather
at 2021-12-05T13:40
at 2021-12-05T13:40
By Oscar
at 2021-12-05T22:44
at 2021-12-05T22:44
By Dora
at 2021-12-06T07:47
at 2021-12-06T07:47
By Quintina
at 2021-12-06T16:51
at 2021-12-06T16:51
By Victoria
at 2021-12-07T01:55
at 2021-12-07T01:55
By David
at 2021-12-07T10:58
at 2021-12-07T10:58
By Heather
at 2021-12-07T20:02
at 2021-12-07T20:02
By Ida
at 2021-12-08T05:06
at 2021-12-08T05:06
By Kyle
at 2021-12-08T14:10
at 2021-12-08T14:10
By Eden
at 2021-12-08T23:13
at 2021-12-08T23:13
By Leila
at 2021-12-09T13:01
at 2021-12-09T13:01
By Megan
at 2021-12-09T22:04
at 2021-12-09T22:04
By Hedy
at 2021-12-10T07:08
at 2021-12-10T07:08
By Sarah
at 2021-12-10T16:12
at 2021-12-10T16:12
By Edward Lewis
at 2021-12-11T01:16
at 2021-12-11T01:16
By Isabella
at 2021-12-11T10:19
at 2021-12-11T10:19
By Megan
at 2021-12-11T19:23
at 2021-12-11T19:23
By Elizabeth
at 2021-12-12T04:27
at 2021-12-12T04:27
By Frederica
at 2021-12-12T13:30
at 2021-12-12T13:30
By Quanna
at 2021-12-12T22:34
at 2021-12-12T22:34
By Leila
at 2021-12-13T07:38
at 2021-12-13T07:38
By Annie
at 2021-12-13T16:41
at 2021-12-13T16:41
By Edwina
at 2021-12-14T01:45
at 2021-12-14T01:45
By Susan
at 2021-12-14T10:49
at 2021-12-14T10:49
By Quanna
at 2021-12-14T19:52
at 2021-12-14T19:52
By Damian
at 2021-12-15T04:56
at 2021-12-15T04:56
By Oliver
at 2021-12-15T14:00
at 2021-12-15T14:00
By Caroline
at 2021-12-15T23:03
at 2021-12-15T23:03
By Ophelia
at 2021-12-16T08:07
at 2021-12-16T08:07
By Daniel
at 2021-12-16T17:11
at 2021-12-16T17:11
By Freda
at 2021-12-17T02:14
at 2021-12-17T02:14
By Ivy
at 2021-12-17T11:18
at 2021-12-17T11:18
By Cara
at 2021-12-17T20:22
at 2021-12-17T20:22
By Xanthe
at 2021-12-18T05:26
at 2021-12-18T05:26
By Andrew
at 2021-12-18T14:29
at 2021-12-18T14:29
By Connor
at 2021-12-18T23:33
at 2021-12-18T23:33
By George
at 2021-12-19T08:37
at 2021-12-19T08:37
By Skylar Davis
at 2021-12-19T17:40
at 2021-12-19T17:40
By Eartha
at 2021-12-20T02:44
at 2021-12-20T02:44
By Odelette
at 2021-12-20T11:48
at 2021-12-20T11:48
By Ina
at 2021-12-20T20:51
at 2021-12-20T20:51
By Suhail Hany
at 2021-12-21T05:55
at 2021-12-21T05:55
By Iris
at 2021-12-21T14:59
at 2021-12-21T14:59
By Connor
at 2021-12-22T00:02
at 2021-12-22T00:02
By Connor
at 2021-12-22T09:06
at 2021-12-22T09:06
By Leila
at 2021-12-22T18:10
at 2021-12-22T18:10
By Una
at 2021-12-23T03:13
at 2021-12-23T03:13
By Selena
at 2021-12-23T12:17
at 2021-12-23T12:17
By George
at 2021-12-23T21:21
at 2021-12-23T21:21
By Una
at 2021-12-24T06:24
at 2021-12-24T06:24
By Hedy
at 2021-12-24T15:28
at 2021-12-24T15:28
By Oscar
at 2021-12-25T00:32
at 2021-12-25T00:32
By Olivia
at 2021-12-25T09:35
at 2021-12-25T09:35
By Tracy
at 2021-12-25T18:39
at 2021-12-25T18:39
By Carol
at 2021-12-26T03:43
at 2021-12-26T03:43
By Oliver
at 2021-12-26T12:47
at 2021-12-26T12:47
By Candice
at 2021-12-26T21:50
at 2021-12-26T21:50
By Gary
at 2021-12-27T06:54
at 2021-12-27T06:54
By Hazel
at 2021-12-26T23:49
at 2021-12-26T23:49
By Wallis
at 2021-12-27T08:53
at 2021-12-27T08:53
By Callum
at 2021-12-26T23:49
at 2021-12-26T23:49
By Suhail Hany
at 2021-12-27T08:53
at 2021-12-27T08:53
By Hedy
at 2021-12-26T23:49
at 2021-12-26T23:49
By Olive
at 2021-12-27T08:53
at 2021-12-27T08:53
By Jake
at 2021-12-26T23:49
at 2021-12-26T23:49
By Oscar
at 2021-12-27T08:53
at 2021-12-27T08:53
By Heather
at 2021-12-26T23:49
at 2021-12-26T23:49
By Joseph
at 2021-12-27T08:53
at 2021-12-27T08:53
By Ophelia
at 2021-12-26T23:49
at 2021-12-26T23:49
By Sarah
at 2021-12-27T08:53
at 2021-12-27T08:53
By Oliver
at 2021-12-26T23:49
at 2021-12-26T23:49
By Wallis
at 2021-12-27T08:53
at 2021-12-27T08:53
By Vanessa
at 2021-12-26T23:49
at 2021-12-26T23:49
By Ula
at 2021-12-27T08:53
at 2021-12-27T08:53
By Wallis
at 2021-12-26T23:49
at 2021-12-26T23:49
By Hazel
at 2021-12-27T08:53
at 2021-12-27T08:53
By Heather
at 2021-12-26T23:49
at 2021-12-26T23:49
By Franklin
at 2021-12-27T08:53
at 2021-12-27T08:53
By Catherine
at 2021-12-26T23:49
at 2021-12-26T23:49
By Xanthe
at 2021-12-27T08:53
at 2021-12-27T08:53
By Ivy
at 2021-12-26T23:49
at 2021-12-26T23:49
By Iris
at 2021-12-27T08:53
at 2021-12-27T08:53
By Poppy
at 2021-12-26T23:49
at 2021-12-26T23:49
By Sierra Rose
at 2021-12-27T08:53
at 2021-12-27T08:53
By Todd Johnson
at 2021-12-26T23:49
at 2021-12-26T23:49
By Andrew
at 2021-12-27T08:53
at 2021-12-27T08:53
By Linda
at 2021-12-26T23:49
at 2021-12-26T23:49
Related Posts
28~30歲碩畢新鮮人還能進科技業嗎?
By Christine
at 2021-11-26T04:31
at 2021-11-26T04:31
28~30歲碩畢新鮮人還能進科技業嗎?
By Annie
at 2021-11-25T09:02
at 2021-11-25T09:02
請問退除役軍人轉任公務人員考試
By Charlotte
at 2021-11-22T19:52
at 2021-11-22T19:52
同樣都是行政缺的選擇
By Madame
at 2021-11-20T14:16
at 2021-11-20T14:16
應畢大學生希望各界前輩指導方向
By Rae
at 2021-11-20T13:25
at 2021-11-20T13:25