新進公務員明年7月另立基金 - 公職

By Sierra Rose
at 2022-11-13T23:14
at 2022-11-13T23:14
Table of Contents
連結:https://udn.com/news/story/7238/6762431
時間:2022-11-13 21:43 經濟日報/ 記者江睿智/台北即時報導
標題:新進公務員明年7月另立基金 退撫基金將提早五年破產
內文:
退撫基金財務攸關約104萬退休及在職軍公教退休生活保障。根據退撫基金最新精算報告
指出,因年改挹注款增加及提撥費率調升,公務人員退撫基金破產年限延後十年、預估至
2051年破產;但明(2023)年7月起上路退撫新制,又將使退撫基金提早五年、於2046年破
產,顯示明年7月新進公務員將適用退撫新制,勢將一定程度衝擊既有退撫基金財務。
退撫基金第八次精算報告(係以2020年12月底為基準日)日前出爐。報告中依公務人員、
教育人員、軍職人員三類未來50年收支及財務、並且納入明(2023)年7月新進公務員及教
師將適用新制退撫等條件,進行精算。
報告指出,由於年改挹注款增加,提撥費率自2021年提高為13%、2022年提高為14%、及
2023年以後15%的前提下,公教人員及教育人員基金首度收支不足年度皆出現在2035年;
至於破產年則分別為2051年及2048年。若和前一次精算報告相較,公務人員退撫基金破產
年限延後十年,教育人員則延後八年。至於軍職人員基金資產餘額皆維持正數,亦即軍職
人員未來50年無破產問題。
自明年7月開始,新進公務人員、新進教師將另立新基金,不再參加既有退撫基金,勢將
惡化退撫基金財務,使基金用罄年限提早。根據精算,公務人員基金首度出現當年度收支
不足情形提早至2033年,2046年基金累積餘額開始出現負數,之後負數金額逐年上升。亦
即公務新進人員退撫新制將影響基金現金流量,預估使基金用罄年度提早五年。
至於教育新進人員明年7月起另立基金,也有相同影響。精算報告指出,教育人員基金首
度出現當年度收支不足情形提早至2033年,2044年基金累積餘額開始出現負數,之後負數
金額逐年上升。
官員表示,明年7月1日上路的退撫新制,新進公務人員不再加入既有退撫基金,雖會使退
撫基金提前五年破產,但「公務人員退休資遣撫卹法」已明訂,因退撫新制實施致既有退
撫基金財務出現缺口,將由政府撥補。
心得:
以歷史2018年退輔改革來說,當年退撫基金於2019年出現負數2031年破產 於負數前一年
就改革,改革內容為85制改95制,退休金砍三成
退撫防脫條款,未滿五年離職領不回政府繳65%的部分,要領政府繳的只能併年資達到領
取條件
現在2022年
舊制退撫將於2033年出現負數2044年破產
所以可以大膽預估2031年時就會開始炒年金改革的議題,2032年進行改革
預測改革內容:95制改105制
舉例來說25歲考上做到65歲做40年,40+70=105
退休金再砍2成現在62.5%*0.8=50%
以鄰居國家來比,日本35.6%美國38.3%法國58.8%,50%這個數字尚合理
退撫提撥2023年15%
法律已有明文調到18% 以做12年高考公務員本俸41910來說
每月退輔要繳:41910*2*0.35*0.18=5280元
再繳33年到65歲
65歲時月領月退41910*2*0.5=41910元
65歲滿頭白髮,還要加班,如果各位看到爸媽這樣
不知道做何感想,各位對公職的未來怎麼看?
--
時間:2022-11-13 21:43 經濟日報/ 記者江睿智/台北即時報導
標題:新進公務員明年7月另立基金 退撫基金將提早五年破產
內文:
退撫基金財務攸關約104萬退休及在職軍公教退休生活保障。根據退撫基金最新精算報告
指出,因年改挹注款增加及提撥費率調升,公務人員退撫基金破產年限延後十年、預估至
2051年破產;但明(2023)年7月起上路退撫新制,又將使退撫基金提早五年、於2046年破
產,顯示明年7月新進公務員將適用退撫新制,勢將一定程度衝擊既有退撫基金財務。
退撫基金第八次精算報告(係以2020年12月底為基準日)日前出爐。報告中依公務人員、
教育人員、軍職人員三類未來50年收支及財務、並且納入明(2023)年7月新進公務員及教
師將適用新制退撫等條件,進行精算。
報告指出,由於年改挹注款增加,提撥費率自2021年提高為13%、2022年提高為14%、及
2023年以後15%的前提下,公教人員及教育人員基金首度收支不足年度皆出現在2035年;
至於破產年則分別為2051年及2048年。若和前一次精算報告相較,公務人員退撫基金破產
年限延後十年,教育人員則延後八年。至於軍職人員基金資產餘額皆維持正數,亦即軍職
人員未來50年無破產問題。
自明年7月開始,新進公務人員、新進教師將另立新基金,不再參加既有退撫基金,勢將
惡化退撫基金財務,使基金用罄年限提早。根據精算,公務人員基金首度出現當年度收支
不足情形提早至2033年,2046年基金累積餘額開始出現負數,之後負數金額逐年上升。亦
即公務新進人員退撫新制將影響基金現金流量,預估使基金用罄年度提早五年。
至於教育新進人員明年7月起另立基金,也有相同影響。精算報告指出,教育人員基金首
度出現當年度收支不足情形提早至2033年,2044年基金累積餘額開始出現負數,之後負數
金額逐年上升。
官員表示,明年7月1日上路的退撫新制,新進公務人員不再加入既有退撫基金,雖會使退
撫基金提前五年破產,但「公務人員退休資遣撫卹法」已明訂,因退撫新制實施致既有退
撫基金財務出現缺口,將由政府撥補。
心得:
以歷史2018年退輔改革來說,當年退撫基金於2019年出現負數2031年破產 於負數前一年
就改革,改革內容為85制改95制,退休金砍三成
退撫防脫條款,未滿五年離職領不回政府繳65%的部分,要領政府繳的只能併年資達到領
取條件
現在2022年
舊制退撫將於2033年出現負數2044年破產
所以可以大膽預估2031年時就會開始炒年金改革的議題,2032年進行改革
預測改革內容:95制改105制
舉例來說25歲考上做到65歲做40年,40+70=105
退休金再砍2成現在62.5%*0.8=50%
以鄰居國家來比,日本35.6%美國38.3%法國58.8%,50%這個數字尚合理
退撫提撥2023年15%
法律已有明文調到18% 以做12年高考公務員本俸41910來說
每月退輔要繳:41910*2*0.35*0.18=5280元
再繳33年到65歲
65歲時月領月退41910*2*0.5=41910元
65歲滿頭白髮,還要加班,如果各位看到爸媽這樣
不知道做何感想,各位對公職的未來怎麼看?
--
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