近九成勞工 未參與勞退自提 - 工程師

By Anthony
at 2022-01-13T14:16
at 2022-01-13T14:16
Table of Contents
剛好看到 新制勞退 收益的討論 順便請教大家一事
依照法規 新制勞退收益 第23條
=========================
第 23 條
退休金之領取及計算方式如下:
一、月退休金:勞工個人之退休金專戶本金及累積收益,依據年金生命表,以平均餘命及
利率等基礎計算所得之金額,作為定期發給之退休金。
二、一次退休金:一次領取勞工個人退休金專戶之本金及累積收益。
前項提繳之勞工退休金運用收益,不得低於以當地銀行二年定期存款利率計算之收益;有
不足者,由國庫補足之。
=======================
講的很簡單 就是 不得低於 當地銀行二年定期存款利率計算之收益
...
但是 問題 重點...
新制勞退一繳後 要提存可能至少15年以上...
1. 有複利計算嗎...怎麼算
2. 如果沒有 複利計算 二年定期存款利率怎麼定義..
15年後 二年定期存款利率 會比現在 差多少..會變成負的嗎...
3. 網路上 有找到一個 類似的解釋...
https://reurl.cc/pWx4pb
4. 15年以上的通膨 可以完全吃掉你的收益..而且整體價值有可能是 負的...
5. 簡單說,姑且不論提繳期間的 投資獲益..
僅就帳面金額及最後提出金額的差異 收益說明即可..
不知道有沒有 大神可以解惑...
--
Tags:
工程師
All Comments

By Hazel
at 2022-01-14T07:37
at 2022-01-14T07:37

By Aaliyah
at 2022-01-15T00:58
at 2022-01-15T00:58

By Ophelia
at 2022-01-14T09:12
at 2022-01-14T09:12

By Oscar
at 2022-01-15T02:33
at 2022-01-15T02:33

By Bethany
at 2022-01-14T09:12
at 2022-01-14T09:12

By Susan
at 2022-01-15T02:33
at 2022-01-15T02:33

By Frederic
at 2022-01-14T09:12
at 2022-01-14T09:12

By Ida
at 2022-01-15T02:33
at 2022-01-15T02:33

By Aaliyah
at 2022-01-14T09:12
at 2022-01-14T09:12
以馬上領出這筆保命錢嗎

By Lily
at 2022-01-15T02:33
at 2022-01-15T02:33
哇塞

By Caroline
at 2022-01-14T09:12
at 2022-01-14T09:12

By Annie
at 2022-01-15T02:33
at 2022-01-15T02:33
不管是股債還是ETF 流動性和保值性上美國爸爸一定
都是最穩也最頂的

By Doris
at 2022-01-14T09:12
at 2022-01-14T09:12

By Yuri
at 2022-01-15T02:33
at 2022-01-15T02:33

By Puput
at 2022-01-14T09:12
at 2022-01-14T09:12
什麼不能改的

By Elvira
at 2022-01-15T02:33
at 2022-01-15T02:33

By Olivia
at 2022-01-14T09:12
at 2022-01-14T09:12

By David
at 2022-01-15T02:33
at 2022-01-15T02:33

By Una
at 2022-01-14T09:12
at 2022-01-14T09:12

By Dora
at 2022-01-15T02:33
at 2022-01-15T02:33

By Edward Lewis
at 2022-01-14T09:12
at 2022-01-14T09:12
就是賠 所以很多人鼓吹買房或投資股票 利潤比較高
聽起來很美好 但大前提是你不能成為接盤俠賠一屁股
對一個不太投資的人 勞退其實也沒啥不好 我是當它
是一個可以節稅的超長期零存整付定存約

By Regina
at 2022-01-15T02:33
at 2022-01-15T02:33

By Gilbert
at 2022-01-14T09:12
at 2022-01-14T09:12

By Sierra Rose
at 2022-01-15T02:33
at 2022-01-15T02:33
你能感覺到這些人多不對勁了嗎

By Eartha
at 2022-01-14T09:12
at 2022-01-14T09:12

By Ophelia
at 2022-01-15T02:33
at 2022-01-15T02:33

By Olga
at 2022-01-14T09:12
at 2022-01-14T09:12
但沒有一個敢算這個最基本也最唯一該問的數字

By Gilbert
at 2022-01-15T02:33
at 2022-01-15T02:33
他說 欸我買的東西都打折打好多喔! 我賺翻
嗯?

By Barb Cronin
at 2022-01-14T09:12
at 2022-01-14T09:12
水溝可以吧?

By Eden
at 2022-01-15T02:33
at 2022-01-15T02:33
每年收益也會被加進去變本金 這不就是複利嗎

By Megan
at 2022-01-14T09:12
at 2022-01-14T09:12
金的進出邏輯不同 勞退是0050規模的十倍 個人操作
績效好當然不要提撥 去股市衝高報酬率就好 巴菲特
年化10%爛死輸大盤 上班太閒才在那邊笑死嗆來嗆去

By Heather
at 2022-01-15T02:33
at 2022-01-15T02:33

By Hardy
at 2022-01-14T09:12
at 2022-01-14T09:12
第 32 條
I 本條例第二十三條第二項所定勞工退休金運用
收益,不得低於以當地銀行二年定期存款利率計算之
收益,為開始提繳之日起至依法領取退休金之日止期
間之累積收益,不得低於同期間以每年當地銀行二年
定期存款利率之全年平均利率計算之累積收益。
II 前項所稱當地銀行二年定期存款利率,指依臺
灣銀行股份有限公司、第一銀行股份有限公司、合作
金庫銀行股份有限公司、華南銀行股份有限公司、土
地銀行股份有限公司、彰化銀行股份有限公司等六家
行庫每月第一個營業日牌告二年期小額定期存款之固
定利率,計算之平均年利率。
III 勞動部勞動基金運用局(以下簡稱基金運用局
)應每月公告前項平均年利率,作為當月之最低保證
收益率。

By Ethan
at 2022-01-15T02:33
at 2022-01-15T02:33

By Elvira
at 2022-01-14T09:12
at 2022-01-14T09:12
https://bit.ly/3qlR8Ij

By Annie
at 2022-01-15T02:33
at 2022-01-15T02:33
提6趴啦 打錯

By Lily
at 2022-01-14T09:12
at 2022-01-14T09:12
也沒啥投資能力 了不起存成定存或買一點ETF的 與其
放活存生灰不如當退休金 不然就是年收夠多 節稅效
益夠大 又不差那一點本金短期內不能拿來急用的

By Olive
at 2022-01-15T02:33
at 2022-01-15T02:33
。看看公務員退休金、看看縣市合併、看看藻礁XDDD

By Wallis
at 2022-01-14T09:12
at 2022-01-14T09:12

By Regina
at 2022-01-15T02:33
at 2022-01-15T02:33
被砍這塊啦 你不自提 30年後也有公司強迫提那份 沒
人會想要自己的錢被砍 我是政客要動刀 我也是調升
累進稅率舉債補勞退

By Carol
at 2022-01-14T09:12
at 2022-01-14T09:12
比我的勞退報酬高非常多,但我還是選擇勞退6%提滿
因為我自認賺那麼多是運氣 還是要有點基本盤在!

By Kelly
at 2022-01-15T02:33
at 2022-01-15T02:33
令人敬佩 在下實在沒這種膽子賭命

By Tom
at 2022-01-14T09:12
at 2022-01-14T09:12
保薪資上限也是有夠低一樣…

By Robert
at 2022-01-15T02:33
at 2022-01-15T02:33

By Vanessa
at 2022-01-14T09:12
at 2022-01-14T09:12
https://www.bli.gov.tw/0013083.html

By Jessica
at 2022-01-15T02:33
at 2022-01-15T02:33
結算出來的數字,套在20年後的今天你覺得哪個資金可
以運用的部位大?

By Quintina
at 2022-01-14T09:12
at 2022-01-14T09:12
你不會把錢投定存也當投資的一種一樣

By Mia
at 2022-01-15T02:33
at 2022-01-15T02:33

By Regina
at 2022-01-14T09:12
at 2022-01-14T09:12
參加勞退,裝睡的人叫不醒~

By Frederic
at 2022-01-15T02:33
at 2022-01-15T02:33
投資(?

By Lydia
at 2022-01-14T09:12
at 2022-01-14T09:12
版上年薪兩三百萬的版友,提撥出去的錢當下就省下
20%~30%的稅金

By Harry
at 2022-01-15T02:33
at 2022-01-15T02:33
如果不自提
這20%~30%的稅金就得一毛不少的上繳國庫

By Kelly
at 2022-01-14T09:12
at 2022-01-14T09:12
。等你請領的時候用高的那個算給你

By Jake
at 2022-01-15T02:33
at 2022-01-15T02:33

By Harry
at 2022-01-14T09:12
at 2022-01-14T09:12
提6%到你的帳戶,所以不管你願不願意都會有錢在裡面
)。裡面會分為兩筆收益(保證收益與實際收益),自
提我記得可以每年一次還是兩次機會選擇改變自提率。
保證收益我算下來應該不是目前總額去計算約0.46%;
實際收益約3.8%(收益低是大家都知道的事情,現在講
的是雇主提的6%你沒辦法拿去投資別的)。複利部分我
用網站試算表是有的(除非試算網站是假的),實際有
沒有我可能要看專戶之後更新數字後去推算。勞退帳戶
只是退休金ㄧ部分,要不要自提在個人,只是多一個選
擇而已。

By Harry
at 2022-01-15T02:33
at 2022-01-15T02:33
活息好的優惠,又不是因為它就是最好的選擇,可以不
參加就是給了版上眾多績效之神自由應用資金的選擇,
每個都敢收一千萬來操作的話,這邊這麼多人自己當老
師叫別人提撥給你就好了,不知道在這邊爭什麼。

By Mia
at 2022-01-14T09:12
at 2022-01-14T09:12
公司自提買一送一也要和你說嗎?

By Hedy
at 2022-01-15T02:33
at 2022-01-15T02:33
做什麼都好棒 不要管裡面是什麼

By Margaret
at 2022-01-14T09:12
at 2022-01-14T09:12
篇,有些ID還幾乎每篇戰,到底是不用上班很閒呢?
還是就是在上班?

By Kama
at 2022-01-15T02:33
at 2022-01-15T02:33

By Genevieve
at 2022-01-14T09:12
at 2022-01-14T09:12
再來勞退就算遇到股災也才賠一點 0050直接腰斬

By Elizabeth
at 2022-01-15T02:33
at 2022-01-15T02:33

By Jessica
at 2022-01-14T09:12
at 2022-01-14T09:12

By Catherine
at 2022-01-15T02:33
at 2022-01-15T02:33

By Tristan Cohan
at 2022-01-14T09:12
at 2022-01-14T09:12
散戶的股債配置 絕對比勞退績效好太多

By Cara
at 2022-01-15T02:33
at 2022-01-15T02:33

By Leila
at 2022-01-14T09:12
at 2022-01-14T09:12
你提了30年要是不幸被弄
我還情願賠在自己的手上

By Emma
at 2022-01-15T02:33
at 2022-01-15T02:33
跑了沒吃到翻倍喔 呵

By Linda
at 2022-01-14T09:12
at 2022-01-14T09:12

By Charlie
at 2022-01-15T02:33
at 2022-01-15T02:33

By Victoria
at 2022-01-14T09:12
at 2022-01-14T09:12
死錢,真的損失更大

By Odelette
at 2022-01-15T02:33
at 2022-01-15T02:33
,但不少人不只損益沒贏大盤甚至還賠錢的,房市七年
多頭成長,但有些人就是沒那個能力開源賺這些錢,那
就乖乖自提就好

By Aaliyah
at 2022-01-14T09:12
at 2022-01-14T09:12

By Tom
at 2022-01-15T02:33
at 2022-01-15T02:33

By Freda
at 2022-01-14T09:12
at 2022-01-14T09:12
這19年的利率來算。不是一年一年結算。

By Brianna
at 2022-01-15T02:33
at 2022-01-15T02:33
金平均利率還是超低

By James
at 2022-01-14T09:12
at 2022-01-14T09:12
需要存錢

By Quintina
at 2022-01-15T02:33
at 2022-01-15T02:33
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