近九成勞工 未參與勞退自提 - 工程師

By Annie
at 2022-01-13T09:32
at 2022-01-13T09:32
Table of Contents
到底是裝睡還是搖不醒
※ 引述《fatdoghusky (胖胖哈士奇)》之銘言:
: 1.只要勞退帳戶的60,000有保本領回來,有自提的資產每年就是比沒自提的資產多7,20
0元
對你整個可悲的計算前提都在於
拿的回來 準時拿的回來 拿回來的不會少
這裡我也懶得跟你多說了
給你看一張圖片就好
https://i.imgur.com/JOgt8GB.jpg
: 2.以報酬率的概念來看,是用60,000去換7,200的減稅報酬,所以報酬率是12%
用報酬率來看
你為了這一次的7200
把你的60,000丟進這個
你缺乏績效甚至沒有保障的黑暗池裡面
直到你退休
喔 對了 法定退休年齡又延後了
https://i.imgur.com/RDdMhue.jpg
卡了20年, 30年
所以你這個犧牲流動性帶來的代價是
不到0.35%的年化報酬率
不到
0.35%
: 3.風險在於這筆錢要綁20年以上,所以要考慮通膨&保本兩大問題
: 4.勞退基金(新制)近十年年化報酬率3.95%,基本上都打敗過去十年的通膨率
: 5.勞退基金有保障收益,所以存多少領多少有保本性質
存多少 領多少 保本又打敗定存/通膨
嘿! 有沒有很熟悉的說詞
對 就是每個免洗保險業務員會推薦給你的
投資型保單/儲蓄險/外幣保單
如果你是個沒辦法控制消費欲老當月光族
或者想找比定存好一點多點保障的選擇
ok 但除此之外呢 沒有 毫無價值
這些免洗業務會跟你說:
我打敗了定存
但他們
不會
也不敢跟你說的是:
你要"保本"
要打敗的
應該是大盤(也就是平均值)
就像你會跟同事或者同行比加薪幅度
而不是跟政府公告 那掩耳盜鈴一般
不考慮房租房價等等的佔你真正支出最大
的畸形消費者物價指數比
https://i.imgur.com/CmFm7c6.png
懂嗎
讓我們看看當你在為了那0.35%
沾沾自喜的時候
大盤去年表現的怎樣
(房價上面貼了 自己捲回去看)
https://i.imgur.com/hnvDLGz.jpg
對
上漲了23%
在疫情期間美國發起印抄大法以來
你如果無腦跟著大盤走
這兩年的報酬率(下圖為0050)
https://i.imgur.com/BDkkjbT.jpg
是50%以上
我常常覺得鼓吹勞退派的
盲信政府就算了(拜託 現在不是2008欸)
連數學都有問題 我是說居心叵測的問題
永遠在講單次賺了十幾%(拿30, 40年換)
永遠在跟現金比(我跟你說 活存也贏現金)
卻連定存(每次只卡你半年到一年)
這種被定義為無風險投資的標的
都不敢比一下
遑論上面說的
大盤
--
※ 引述《fatdoghusky (胖胖哈士奇)》之銘言:
: 1.只要勞退帳戶的60,000有保本領回來,有自提的資產每年就是比沒自提的資產多7,20
0元
對你整個可悲的計算前提都在於
拿的回來 準時拿的回來 拿回來的不會少
這裡我也懶得跟你多說了
給你看一張圖片就好
https://i.imgur.com/JOgt8GB.jpg

: 2.以報酬率的概念來看,是用60,000去換7,200的減稅報酬,所以報酬率是12%
用報酬率來看
你為了這一次的7200
把你的60,000丟進這個
你缺乏績效甚至沒有保障的黑暗池裡面
直到你退休
喔 對了 法定退休年齡又延後了
https://i.imgur.com/RDdMhue.jpg

卡了20年, 30年
所以你這個犧牲流動性帶來的代價是
不到0.35%的年化報酬率
不到
0.35%
: 3.風險在於這筆錢要綁20年以上,所以要考慮通膨&保本兩大問題
: 4.勞退基金(新制)近十年年化報酬率3.95%,基本上都打敗過去十年的通膨率
: 5.勞退基金有保障收益,所以存多少領多少有保本性質
存多少 領多少 保本又打敗定存/通膨
嘿! 有沒有很熟悉的說詞
對 就是每個免洗保險業務員會推薦給你的
投資型保單/儲蓄險/外幣保單
如果你是個沒辦法控制消費欲老當月光族
或者想找比定存好一點多點保障的選擇
ok 但除此之外呢 沒有 毫無價值
這些免洗業務會跟你說:
我打敗了定存
但他們
不會
也不敢跟你說的是:
你要"保本"
要打敗的
應該是大盤(也就是平均值)
就像你會跟同事或者同行比加薪幅度
而不是跟政府公告 那掩耳盜鈴一般
不考慮房租房價等等的佔你真正支出最大
的畸形消費者物價指數比
https://i.imgur.com/CmFm7c6.png

懂嗎
讓我們看看當你在為了那0.35%
沾沾自喜的時候
大盤去年表現的怎樣
(房價上面貼了 自己捲回去看)
https://i.imgur.com/hnvDLGz.jpg

對
上漲了23%
在疫情期間美國發起印抄大法以來
你如果無腦跟著大盤走
這兩年的報酬率(下圖為0050)
https://i.imgur.com/BDkkjbT.jpg

是50%以上
我常常覺得鼓吹勞退派的
盲信政府就算了(拜託 現在不是2008欸)
連數學都有問題 我是說居心叵測的問題
永遠在講單次賺了十幾%(拿30, 40年換)
永遠在跟現金比(我跟你說 活存也贏現金)
卻連定存(每次只卡你半年到一年)
這種被定義為無風險投資的標的
都不敢比一下
遑論上面說的
大盤
--
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工程師
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