[心得] 提高提撥率好像也不錯啊?!
目前提撥率是12%
要逐年提高到18%
剛才算了一下發現
在這個不知道未來月退領不領得到的年代
(就算領到也不知道你退休以後會不會經常性的砍錢)
把提撥率提高好像也不壞阿
某種程度上
我還覺得提越高越好
為什麼呢
因為政府提撥65% 自己提撥35%
大約相當於你提一 政府提撥二
假如我們不考慮月退
考慮離職
可以拿回退撫金
那麼這種賺三倍的投資(你出一 政府出二 總共拿回三)
難道不是提越多越好嘛
最好喔 提撥率30% 50%(生活無虞的前提下)
(其實以七功頂39000來算 提撥率50%來算 自己只要繳13650)
這樣就根本不必理他甚麼幾歲退休 幾百制
老子做到50歲 55歲就離職
假設30歲考上 做20年
提撥率50%好了
粗略算一下 你可以拿回(平均本俸)x2x12x50%x20的錢
假定平均本俸x2就是你的平均薪水
那麼那大約可以拿到120個月=10年的薪水
你65歲領月退 所得替代率50% 你要領到85歲才能拿到10年的薪水
而你離職卻在50歲就可以拿到
看你是要再出去找別的工作
還是要47 48歲就再準備考試 考上離職領回10年的錢再回任賺薪水到想退
彈性大多了
我支持提撥率增加到50%以上
XDDD
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