勞退該提6%嗎? - 職場
By Ula
at 2013-10-14T21:06
at 2013-10-14T21:06
Table of Contents
各位版友好!
有一個關於勞退自提的問題想請教版上的精算師.
小弟現在29歲, 月薪10w,
預計65歲退休(還有36年), 這樣自提勞退6%划算嗎?
加上獎金之後所得稅級距是20%,
若沒有提勞退的話, 要多繳72000 * 20% = 14400,
先不論調薪,
若不提勞退, 36年要繳掉518400, 這部分血本無歸.
若自提勞退6%的話, 一年繳72000, 35年繳掉2592000,
但這還沒算政府勞退基金的複利, 聽說最低是1.4%,
我也查不到政府勞退基金的歷史獲利紀錄.
但複利對我說太複雜了 ..
想請問有沒有精算師曾經算過月薪多少以上自提較划算呢?
感激不盡!
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