tag:blogger.com,1999:blog-6226037904814334404.post2069127310117086668..comments2023-07-30T21:59:48.464+08:00Comments on 評深宜論: 強積金提早取款需有嚴苛規限凱文http://www.blogger.com/profile/02319710363872641150noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-6226037904814334404.post-8296702358504319192010-07-10T00:32:59.724+08:002010-07-10T00:32:59.724+08:00好多人都有為自己將來打算既方法,根本唔需要mpf,本應就係自己錢,應該自己想點用就點用,如果政府想幫...好多人都有為自己將來打算既方法,根本唔需要mpf,本應就係自己錢,應該自己想點用就點用,如果政府想幫人年長時有安逸既日子,應該在教育方面著手,從少教育儲蓄更有效,有好多人搵好少錢,但少少既人工先剛剛夠全家人食飯,仲要人地供mpf,有好多人如果唔駛供mpf就唔駛次次月尾都要問人借錢,日積月累個個月借二三百,耐左就變幾千,要還錢俾人但冇錢,唯有去拎返自己d mpf出黎用,拎完仲要筆者咁講,好似爭人錢咁,要個個月供返晒? 唔好傻啦!唔係每一個月拎完mpf出黎用住先就代表一定解決到燃眉之急囉,第時就會有一個美好將來仲搵多d錢,供返d mpf入去... 你點解唔諗下,人地拎出黎用,真係有咁既需要,更何況,投資基金一定會賺? 今時今日既$$ 同將來既價值都唔會一樣啦,俾你去到30年後就黎死果陣拎到MPF, 有100萬咁又點,你唔難保辛苦左一世人儲返黎既MPF,到果陣時,只係夠你食一個月M記.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-6226037904814334404.post-79657647354359227652009-06-12T22:58:15.149+08:002009-06-12T22:58:15.149+08:00回 GKC:
加拿大的退休保障符合世界銀行建議的「三大支柱」,即公共退休金計劃、職業退休計劃及個人...回 GKC:<br /><br />加拿大的退休保障符合世界銀行建議的「三大支柱」,即公共退休金計劃、職業退休計劃及個人儲蓄計劃。閣下提及的Registered Retirement Savings Plan,正是屬於自願性的個人儲蓄計劃。<br /><br />可是,香港的退休保障明顯較加拿大為差。第一支柱可以將那每月1,000港元的高齡津貼(生果金)勉強計算在內,但仍不足以維持基本生活所需。相反,加拿大的第一支柱Old Age Security能夠提供每月502.31加元(約3,470港元)的高齡津貼。<br /><br />而第二支柱方面,香港的就是那個劣評多於好評的強積金制度了。相反,加拿大的第二支柱Canada Pension Plan雖然同是由僱主和僱員供款,但僱員毋須進行任何投資決定,退休後純粹根據供款年期和金額決定每月可得到的退休金。<br /><br />至於第三支柱,香港目前尚未出現。總而言之,將屬於第三支柱的RRSP,與只是屬於第二支柱的強積金強行比較,筆者認為並不合適。無論如何,假如香港要全面改革退休保障,加拿大不失為一個重要的參考對象。凱文https://www.blogger.com/profile/02319710363872641150noreply@blogger.comtag:blogger.com,1999:blog-6226037904814334404.post-77137092867230882092009-06-12T00:05:48.134+08:002009-06-12T00:05:48.134+08:00We can spend months to discuss what is the most ef...We can spend months to discuss what is the most effective retirement system to ensure the general welfare of the retirees. But no matter what the final solution is, it should not infringed the basic right that any person should have in using and disposing of one's properties as one sees fit. As set out under the HK Basic Law Article 105 "The HKSAR shall, in accordance with law, protect the right of individuals and legal persons to the acquisition, USE, DISPOSE and inheritance of property and their right to compensation for lawful deprivation of their property." The government at best should encourage it's citizens to participate in any retirement scheme, but should not in any way infringe the basic right and freedom that one should have in handling one's own property. One good example is the Registered Retirement Savings Plan system implemented in Canada. Employees can choose to contribute whatever amount they want with the benefit of long term tax savings, but employees also have the right to withdraw funds out of their plans should they decide to do so, especially in times of needs.GKCnoreply@blogger.comtag:blogger.com,1999:blog-6226037904814334404.post-43875758695619466862009-06-09T00:18:16.115+08:002009-06-09T00:18:16.115+08:00回 小象幫幫:
所謂「針無兩頭利」,正如筆者在《若容許強積金提早取款 亦可為此額外增加供款》提到,若...回 小象幫幫:<br />所謂「針無兩頭利」,正如筆者在《<a href="http://pingsum.blogspot.com/2009/05/blog-post_20.html" rel="nofollow">若容許強積金提早取款 亦可為此額外增加供款</a>》提到,若然香港強積金打算仿效新加坡公積金可以用作買樓等非退休用途,那麼供款比率便需要大幅提高了。凱文https://www.blogger.com/profile/02319710363872641150noreply@blogger.comtag:blogger.com,1999:blog-6226037904814334404.post-30442494176293330642009-06-08T02:40:16.112+08:002009-06-08T02:40:16.112+08:00其實新加坡都有相近既方案,比人便用退休金作指定用途,eg 買樓,香港呢方面可以好好參考一下,以免作出...其實新加坡都有相近既方案,比人便用退休金作指定用途,eg 買樓,香港呢方面可以好好參考一下,以免作出不智行為Eddy Nghttps://www.blogger.com/profile/17536878391885547014noreply@blogger.com