現在大家會自提繳6%嗎? - 工程師
By Margaret
at 2018-09-01T15:00
at 2018-09-01T15:00
Table of Contents
※ 引述《howareyounow (please)》之銘言:
: 有沒有專業分析師 debug一下 謝謝
以版上科技人的程度來說,這只是高中數學的問題而已
再不然google也找得到...
以下節錄自
http://www.masterhsiao.com.tw/Smart/SC176/SC176.php
先說結論
1. 只要你有繳稅,換算的利率都比2年期定存高
2. 所得稅級距愈高,換算的利率愈高
3. 愈接近退休,換算的利率愈高
用Excel表示: = ((1 + 兩年期定存利率/12)/(1-所得稅率)^(1/(距離退休年數*12))
– 1)*12
只要知道兩年期利率、所得稅率以及距離退休年數,就可以立即算出來。計算方式如下:
自行提撥6%的退休金是可以免稅的,假設薪資級距是12%,所以自行提撥7萬2,000
元免稅,稅金可以節省8,640元(=72000*12%)。退休金專戶存入了7萬2,000元,可是卻少
繳了8,640元,相當於只繳了6萬3,360元,可是25年後卻可以得到10萬2,510元,算起來的
實際報酬率為1.926%
=((1+1.414%/12)/(1-12%)^(1/(25*12))-1)*12
=1.926%
所以實質利率除了跟所得稅率有關之外,跟距離退休年數也有關,如果以1.414%的兩年期
利率為基準,下表根據不同的所得稅率(y軸)及距離退休年數(x軸)所建構的實質利率表:
http://www.masterhsiao.com.tw/Smart/SC176/Images/table.gif
由於此篇已經是2013的文章
當時的2年期利率是1.414%,而現在2018年則為1.000%
我實際代入之後,相差也就是0.4%左右
--
: 有沒有專業分析師 debug一下 謝謝
以版上科技人的程度來說,這只是高中數學的問題而已
再不然google也找得到...
以下節錄自
http://www.masterhsiao.com.tw/Smart/SC176/SC176.php
先說結論
1. 只要你有繳稅,換算的利率都比2年期定存高
2. 所得稅級距愈高,換算的利率愈高
3. 愈接近退休,換算的利率愈高
用Excel表示: = ((1 + 兩年期定存利率/12)/(1-所得稅率)^(1/(距離退休年數*12))
– 1)*12
只要知道兩年期利率、所得稅率以及距離退休年數,就可以立即算出來。計算方式如下:
自行提撥6%的退休金是可以免稅的,假設薪資級距是12%,所以自行提撥7萬2,000
元免稅,稅金可以節省8,640元(=72000*12%)。退休金專戶存入了7萬2,000元,可是卻少
繳了8,640元,相當於只繳了6萬3,360元,可是25年後卻可以得到10萬2,510元,算起來的
實際報酬率為1.926%
=((1+1.414%/12)/(1-12%)^(1/(25*12))-1)*12
=1.926%
所以實質利率除了跟所得稅率有關之外,跟距離退休年數也有關,如果以1.414%的兩年期
利率為基準,下表根據不同的所得稅率(y軸)及距離退休年數(x軸)所建構的實質利率表:
http://www.masterhsiao.com.tw/Smart/SC176/Images/table.gif
由於此篇已經是2013的文章
當時的2年期利率是1.414%,而現在2018年則為1.000%
我實際代入之後,相差也就是0.4%左右
--
Tags:
工程師
All Comments
By Bennie
at 2018-09-03T14:24
at 2018-09-03T14:24
By Cara
at 2018-09-08T07:12
at 2018-09-08T07:12
By Liam
at 2018-09-09T08:32
at 2018-09-09T08:32
By Lauren
at 2018-09-13T17:56
at 2018-09-13T17:56
By Zenobia
at 2018-09-16T09:01
at 2018-09-16T09:01
By Isla
at 2018-09-17T08:21
at 2018-09-17T08:21
By Jacky
at 2018-09-21T12:11
at 2018-09-21T12:11
By Joseph
at 2018-09-25T06:07
at 2018-09-25T06:07
By Odelette
at 2018-09-25T14:58
at 2018-09-25T14:58
By Elma
at 2018-09-30T13:51
at 2018-09-30T13:51
By Hardy
at 2018-10-03T21:47
at 2018-10-03T21:47
By Megan
at 2018-10-06T04:33
at 2018-10-06T04:33
By Zenobia
at 2018-10-09T18:20
at 2018-10-09T18:20
By Connor
at 2018-10-14T04:00
at 2018-10-14T04:00
By Todd Johnson
at 2018-10-17T10:09
at 2018-10-17T10:09
By Hardy
at 2018-10-18T09:27
at 2018-10-18T09:27
By Agnes
at 2018-10-22T23:09
at 2018-10-22T23:09
By Sarah
at 2018-10-23T06:47
at 2018-10-23T06:47
By Odelette
at 2018-10-25T16:48
at 2018-10-25T16:48
By Zora
at 2018-10-29T14:02
at 2018-10-29T14:02
By Ingrid
at 2018-11-02T01:08
at 2018-11-02T01:08
By Hazel
at 2018-11-03T13:27
at 2018-11-03T13:27
By Iris
at 2018-11-03T14:39
at 2018-11-03T14:39
By Mason
at 2018-11-04T17:51
at 2018-11-04T17:51
By Agnes
at 2018-11-05T05:59
at 2018-11-05T05:59
By Ethan
at 2018-11-07T13:51
at 2018-11-07T13:51
By Rosalind
at 2018-11-08T11:23
at 2018-11-08T11:23
By Rae
at 2018-11-13T08:23
at 2018-11-13T08:23
By Hedy
at 2018-11-15T23:15
at 2018-11-15T23:15
By Kama
at 2018-11-17T21:56
at 2018-11-17T21:56
By Charlotte
at 2018-11-20T11:18
at 2018-11-20T11:18
By Vanessa
at 2018-11-22T16:07
at 2018-11-22T16:07
By Poppy
at 2018-11-23T00:57
at 2018-11-23T00:57
By Quintina
at 2018-11-25T14:00
at 2018-11-25T14:00
By Connor
at 2018-11-27T09:39
at 2018-11-27T09:39
By Christine
at 2018-11-30T14:57
at 2018-11-30T14:57
By Bethany
at 2018-12-02T00:36
at 2018-12-02T00:36
By Queena
at 2018-12-04T17:51
at 2018-12-04T17:51
By Donna
at 2018-12-06T10:03
at 2018-12-06T10:03
By Bethany
at 2018-12-08T09:08
at 2018-12-08T09:08
By Carol
at 2018-12-09T06:59
at 2018-12-09T06:59
By Kelly
at 2018-12-10T18:32
at 2018-12-10T18:32
By Callum
at 2018-12-14T18:48
at 2018-12-14T18:48
By Andy
at 2018-12-16T19:21
at 2018-12-16T19:21
By Jessica
at 2018-12-18T03:47
at 2018-12-18T03:47
By Jessica
at 2018-12-21T08:56
at 2018-12-21T08:56
By Aaliyah
at 2018-12-22T02:02
at 2018-12-22T02:02
By Mason
at 2018-12-22T20:23
at 2018-12-22T20:23
By Gilbert
at 2018-12-26T23:32
at 2018-12-26T23:32
By Franklin
at 2018-12-30T14:19
at 2018-12-30T14:19
By Wallis
at 2019-01-02T22:55
at 2019-01-02T22:55
By Susan
at 2019-01-06T04:45
at 2019-01-06T04:45
By Iris
at 2019-01-09T16:25
at 2019-01-09T16:25
By Daph Bay
at 2019-01-13T04:42
at 2019-01-13T04:42
By Candice
at 2019-01-16T15:48
at 2019-01-16T15:48
By Suhail Hany
at 2019-01-18T14:10
at 2019-01-18T14:10
By Yedda
at 2019-01-22T18:13
at 2019-01-22T18:13
By Ivy
at 2019-01-22T19:23
at 2019-01-22T19:23
By Una
at 2019-01-27T04:13
at 2019-01-27T04:13
By Doris
at 2019-01-30T00:31
at 2019-01-30T00:31
By Gary
at 2019-02-02T06:00
at 2019-02-02T06:00
By Kama
at 2019-02-05T18:03
at 2019-02-05T18:03
By Belly
at 2019-02-06T03:49
at 2019-02-06T03:49
Related Posts
主管是控制狂怎麼辦?
By Mia
at 2018-09-01T12:49
at 2018-09-01T12:49
Dow現況和未來
By Andy
at 2018-09-01T12:06
at 2018-09-01T12:06
頌德精機-違法扣薪
By Damian
at 2018-09-01T11:02
at 2018-09-01T11:02
一名鴻海的員工被迫跑了整個工業區(6)
By Madame
at 2018-09-01T10:15
at 2018-09-01T10:15
現在大家會自提繳6%嗎?
By Elvira
at 2018-09-01T09:48
at 2018-09-01T09:48