[閒聊] 年金隨便算!所得替代率只是模糊焦點的工具
有數據可以騙人
沒有數據的東西可以騙到更多的人 XD
讓我們看下去
公教人員 以俸額 43,058 計算
每月自行負擔金額 4,697=公保保費1,078+退撫基金3,619
一般勞工 投保薪資 43,900 計算
每月自行負擔金額 747=勞保保費 747 + 0
接著看
勞保老年年金計算 第二式:保險年資x平均月投保薪資x1.55%。
43,900 年資 30 年,每月可領 17,148
如果都要以 退休金=所得*所得替代率
那換個算法以每月投資金額來說
繳 747 ,30 年後每個月可以領 17,148
繳 4697 ,30 年後每個月可以領 106,317 <---這樣才叫合理阿
明明就不一樣的制度,還要綁再一起比較...
問題到底在哪裡 ?
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◆ From: 123.204.77.180
※ 編輯: Daywalker007 來自: 123.204.77.180 (02/01 13:53)
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