Re: [討論] 自行撥款1%~6%的勞退
※ 引述《aher2600 (和)》之銘言:
: 我只考慮一點
: 政府舉債過度,只好印鈔票還債
: 通膨難以避免
: 提撥的勞退金額30年下來,以現在的幣值,勞退金可以買台進口車
: 但是30年後的幣值呢?會不會只能買台國慘車?或是一台250cc??
: 我是看衰這點的
: 所以我不多提撥,每個月自己管
: 我能買外幣,買黃金,買債券
: 如果對政府有信心,那就儘管加碼吧
: 見仁見智囉
: ps.不要再說看衰政府就快去國外,OK?
: 有本事跑的早就都跑光了
: 連馬唯中都持美國護照了...
我是從稅的觀點來看,本人稅大概繳13%..所以提撥6%,光是免稅就先賺13%了....
不過如果你的稅制屬於免繳那種的..那可能就要考慮看看了....
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※ 發信站: 批踢踢實業坊(ptt.cc)
◆ From: 115.81.121.71
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應該這麼說,你自己提撥的那筆錢不算在你今年的所得裡面,所以繳稅時就不用計算,
假設你每個月提撥6%是5000, 一年大概6萬,如果你的稅制要繳13$,那如果你沒提撥,
那就要繳60000*13%=7800的稅給政府,從另外一個角度來看你因為提撥先賺了7800...
13%我應該沒這本事自己投資賺到這筆錢....
當然,等到你要開始領的時候就要開始繳稅,I大免稅額時67.6萬,所以到時候你領的勞退
要先扣掉67.6萬再去乘一定的%數才繳稅..那應該繳沒多少˙錢...
※ 編輯: odinhung 來自: 220.128.88.200 (11/15 13:58)
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樓上又把勞保跟勞退弄混了..... 建議先去google一下...
當然勞退也有可能被玩爛啦...像美國次級房貸很多退休基金都很慘...
but..你自己投資就有把握讓本金全留在手上嗎??...就分散風險來說,
勞退算相對低風險, 但是就稅務來說,對於所得稅等級越高的越賺...
所以我一直認為提撥6%是個很好的投資....如果可以到12%..我應該直接衝...XD
而且如果你把6%留下來自己投資,那你只有60000-7800=52200可以投資,你首先要把
7800賺回來才打平而已,7800/52200=14.9%..一年快15%的投報率...相信對於鄉民
應該不難啦,不過小弟沒這本事...
※ 編輯: odinhung 來自: 115.81.121.71 (11/15 15:26)
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※ 編輯: odinhung 來自: 115.81.121.71 (11/15 15:32)
※ 編輯: odinhung 來自: 115.81.121.71 (11/15 15:34)
※ 編輯: odinhung 來自: 115.81.121.71 (11/15 15:36)
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你的稅每年都省13%..如果以後你加薪再往上跳那賺更多...
※ 編輯: odinhung 來自: 115.81.121.71 (11/15 16:15)
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