勞退自提6%真的有差! 勞保局直接試算 - 職場
By Isabella
at 2021-04-17T20:54
at 2021-04-17T20:54
Table of Contents
勞退自提6%真的有差! 勞保局直接試算給你看
https://finance.ettoday.net/news/1961486
記者余弦妙/台北報導
大多數民眾都知道要為自己的退休生活做規劃,但其實絕大多數的人也不知道自己每個月
投保的勞保到底能給自己帶來多少退休金,根據統計,多數勞工知道退休後可以領勞保,
但勞退就會被忽略,其實根據現行規定,勞工在退休後是可以領到「兩筆退休金」。
先前外界吵得沸沸揚揚的勞保破產所指的就是「勞保老年年金」,雖然目前該項問題尚未
獲得解決,但如果能從勞退來著手,必定能讓你的未來退休生活更有保障。
根據目前新制勞退的規定,雇主每個月都須要幫每位勞工提撥6%,而勞工自己本身也能再
提撥1-6%,因此最高每個月有望可以提撥12%的薪資,不過自提到底有啥好處?其實只要
上勞動部及勞保局官網就會有試算系統讓你一目了然。
根據勞動部勞工退休金試算系統來看,如果A勞工每月薪資為4萬元,僅只有雇主所提撥的
6%,而每年薪資成長率為1%,勞退提撥投資報酬率3%,預計工作35年後請領,該名勞工的
新制勞退金含收益可達208萬9133元,退休後每月可領1萬1557元。
但如果A勞工又在自行每月自提6%,等於每個月提繳12%,在相同條件下,35年後帳戶總額
可以達到417萬8265元,退休後每月可領2萬3115元,幾乎是僅提繳6%的一倍之多。
因此根據上述的試算結果來看,如果每個月能自提6%的效益會遠比只有雇主幫你提撥的6%
來的好,且自提的6%還能夠減稅,但如果自己本身也有在進行投資,那就須自行評估是否
將這筆錢拿來自行運用的效益是否比較好。
--
https://finance.ettoday.net/news/1961486
記者余弦妙/台北報導
大多數民眾都知道要為自己的退休生活做規劃,但其實絕大多數的人也不知道自己每個月
投保的勞保到底能給自己帶來多少退休金,根據統計,多數勞工知道退休後可以領勞保,
但勞退就會被忽略,其實根據現行規定,勞工在退休後是可以領到「兩筆退休金」。
先前外界吵得沸沸揚揚的勞保破產所指的就是「勞保老年年金」,雖然目前該項問題尚未
獲得解決,但如果能從勞退來著手,必定能讓你的未來退休生活更有保障。
根據目前新制勞退的規定,雇主每個月都須要幫每位勞工提撥6%,而勞工自己本身也能再
提撥1-6%,因此最高每個月有望可以提撥12%的薪資,不過自提到底有啥好處?其實只要
上勞動部及勞保局官網就會有試算系統讓你一目了然。
根據勞動部勞工退休金試算系統來看,如果A勞工每月薪資為4萬元,僅只有雇主所提撥的
6%,而每年薪資成長率為1%,勞退提撥投資報酬率3%,預計工作35年後請領,該名勞工的
新制勞退金含收益可達208萬9133元,退休後每月可領1萬1557元。
但如果A勞工又在自行每月自提6%,等於每個月提繳12%,在相同條件下,35年後帳戶總額
可以達到417萬8265元,退休後每月可領2萬3115元,幾乎是僅提繳6%的一倍之多。
因此根據上述的試算結果來看,如果每個月能自提6%的效益會遠比只有雇主幫你提撥的6%
來的好,且自提的6%還能夠減稅,但如果自己本身也有在進行投資,那就須自行評估是否
將這筆錢拿來自行運用的效益是否比較好。
--
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