近九成勞工 未參與勞退自提 - 工程師

By Anonymous
at 2022-01-12T08:26
at 2022-01-12T08:26
Table of Contents
: 我是提好提滿啦
: 勞退基金報酬率是其次
: 主要可是遞延稅負 幸運點還能適用試用較低的稅務級距
: 大家有自提勞退嗎?
: ps.別再說勞退會倒了 勞退和勞保不同=.=
自提6%,反正月薪只佔年薪約30%, 30%*6% = 1.8%
如果差這一點點就生吃都不夠. 那問題不是這一點點,而是原本就不夠
績效的話其實還好.
108年個人勞退帳戶是155萬,年底收益是17萬
109年個人勞退帳戶是190萬,年底收益是萬11.6萬
110年還沒給但可以用新聞推算.
基本上一開始累積比較慢,但金額起來後,大約複利5~6%收益率.
且一年可以省稅2萬多.除非股神等級,不然可以多少放一些
另外勞保會掛是領得人太多,繳的人太少.
但勞退是個人帳戶,擔心勞退會被充公,
那表示你也該擔心個人資產,包含存款,股票,不動產,保險
所有在中華民國政府下的財產都有可能被充公.
那不只勞退不提, 所有的財產建議都移往海外.
最後要靠勞退來補退休生活也是傻了, 大概不到兩年就花光了
這只是分散平常投資風險的一小部分.
一般也很少建議將所有投資押寶在某樣特定對象.
勞退不過就是將投資金額中不到一成的比例放在相對穩定的部分.
許多人一年含公司+自提 快要連一張0050都買不起了.
那些喊不如拿去買0050的,真的有買?
--
: 勞退基金報酬率是其次
: 主要可是遞延稅負 幸運點還能適用試用較低的稅務級距
: 大家有自提勞退嗎?
: ps.別再說勞退會倒了 勞退和勞保不同=.=
自提6%,反正月薪只佔年薪約30%, 30%*6% = 1.8%
如果差這一點點就生吃都不夠. 那問題不是這一點點,而是原本就不夠
績效的話其實還好.
108年個人勞退帳戶是155萬,年底收益是17萬
109年個人勞退帳戶是190萬,年底收益是萬11.6萬
110年還沒給但可以用新聞推算.
基本上一開始累積比較慢,但金額起來後,大約複利5~6%收益率.
且一年可以省稅2萬多.除非股神等級,不然可以多少放一些
另外勞保會掛是領得人太多,繳的人太少.
但勞退是個人帳戶,擔心勞退會被充公,
那表示你也該擔心個人資產,包含存款,股票,不動產,保險
所有在中華民國政府下的財產都有可能被充公.
那不只勞退不提, 所有的財產建議都移往海外.
最後要靠勞退來補退休生活也是傻了, 大概不到兩年就花光了
這只是分散平常投資風險的一小部分.
一般也很少建議將所有投資押寶在某樣特定對象.
勞退不過就是將投資金額中不到一成的比例放在相對穩定的部分.
許多人一年含公司+自提 快要連一張0050都買不起了.
那些喊不如拿去買0050的,真的有買?
--
Tags:
工程師
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