年金改革是少了多少讓人如此抓狂 - 公職
By Delia
at 2017-08-21T03:02
at 2017-08-21T03:02
Table of Contents
※ [本文轉錄自 Gossiping 看板 #1PcTPk7S ]
作者: marish (熱沼澤) 看板: Gossiping
標題: Re: [問卦] 年金改革是少了多少讓人如此抓狂
時間: Mon Aug 21 02:35:23 2017
原文述刪
大部分的公務人員是薦7功6非主管退
假設大家都是25歲初任公職
82歲掛掉
簡單粗估試算一下
1.純舊制(有18%),任職25年(84.7.1前退休)
滿足75制,退休時50歲,今年最小72歲
原薦7功6月退50,897
年改後月退取10年平均月退36,947
差額月退為13,950
取剩下平均餘命10年去算
最多虧1,674,000
2.新舊制,任職30年:(105.7.1前可退休)
滿足85制,退休時55歲,今年最小56歲
原薦7功6月退59,917
年改後月退取26年平均月退44,052
差額月退為15,865
取剩下平均餘命26年去算
最多虧4,949,880
3.純新制(無18%),任職35年:(119.7.1前可退休)
年改後年資上限35年,65歲始得請領
原薦7功6月退64,166
年改後月退取17年平均月退54,726
差額月退為9440
取剩下平均餘命17年去算
最多虧1,925,760
但要注意若沒年改的話本來可以55歲退
因此延退十年沒領到的退休金為7,699,920
若本身退休有賺更大的事業
或是退休後的時間機會成本也算進去
把上述兩項加總,真正最多虧到9,625,680
=============================================
因此最慘的是現在即將退休的公務員
快一千萬了耶
剛好他們是目前公務員族群裡最資深最有權力的一群
結果現在臺面上鬧最兇的是已退休的那一群
看起來純制新的這群人被砍最大,但看起來卻是最"乖"的一群耶
有可能嗎?
呵呵
=============================================
我講的新舊制是以銓敘部的文件中的18%有無來做區分
不是年改前後
離退休還很遠的年輕軍公教我沒有算
是因爲過幾年你們再被砍ㄧ刀的機率很大
現在算了也是白算
我參考依據是草案版本,有15年緩衝
最後三獨版本好像更慘
--
作者: marish (熱沼澤) 看板: Gossiping
標題: Re: [問卦] 年金改革是少了多少讓人如此抓狂
時間: Mon Aug 21 02:35:23 2017
原文述刪
大部分的公務人員是薦7功6非主管退
假設大家都是25歲初任公職
82歲掛掉
簡單粗估試算一下
1.純舊制(有18%),任職25年(84.7.1前退休)
滿足75制,退休時50歲,今年最小72歲
原薦7功6月退50,897
年改後月退取10年平均月退36,947
差額月退為13,950
取剩下平均餘命10年去算
最多虧1,674,000
2.新舊制,任職30年:(105.7.1前可退休)
滿足85制,退休時55歲,今年最小56歲
原薦7功6月退59,917
年改後月退取26年平均月退44,052
差額月退為15,865
取剩下平均餘命26年去算
最多虧4,949,880
3.純新制(無18%),任職35年:(119.7.1前可退休)
年改後年資上限35年,65歲始得請領
原薦7功6月退64,166
年改後月退取17年平均月退54,726
差額月退為9440
取剩下平均餘命17年去算
最多虧1,925,760
但要注意若沒年改的話本來可以55歲退
因此延退十年沒領到的退休金為7,699,920
若本身退休有賺更大的事業
或是退休後的時間機會成本也算進去
把上述兩項加總,真正最多虧到9,625,680
=============================================
因此最慘的是現在即將退休的公務員
快一千萬了耶
剛好他們是目前公務員族群裡最資深最有權力的一群
結果現在臺面上鬧最兇的是已退休的那一群
看起來純制新的這群人被砍最大,但看起來卻是最"乖"的一群耶
有可能嗎?
呵呵
=============================================
我講的新舊制是以銓敘部的文件中的18%有無來做區分
不是年改前後
離退休還很遠的年輕軍公教我沒有算
是因爲過幾年你們再被砍ㄧ刀的機率很大
現在算了也是白算
我參考依據是草案版本,有15年緩衝
最後三獨版本好像更慘
--
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