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Md. Naim Hasan Student
Jul 06, 2022
In General Discussion
Whether or not the new labor retirement system can decide on investment projects has been discussed in Taiwan for more than ten years. In May this year, the Legislative Yuan’s Legislative Affairs Bureau stated that considering the risks of low interest rates, inflation and longevity, the Ministry of Labor suggested that the Ministry of Labor could launch a trial-running investment platform of choice for labor and retirement. At the beginning of June, the labor union jumped out of the press conference and rebounded, and put forward multiple reasons to oppose the self-selection of labor and retirement. The author, who has worked in a bank for many years, feels that when Taiwanese government officials face calls for policy changes, they often object to opposition, and they especially like to make decisions for the people. The current new system of labor and retirement Photo Restoration Service is that employers should contribute a monthly pension of no less than 6% of the monthly salary for workers, which is deposited in the “labor pension personal account” established by the Labor Insurance Bureau and invested by the government, and the public can also choose to pay extra. The salary within 6% is deposited into the labor retirement account, in a certain way, it achieves the function of mandatory deposit, and can accumulate profits under the proxy investment. Having said that, due to the conservative allocation of labor and retirement, most of the funds are fixed deposits - why don't I directly take the money to the bank's preferential fixed deposit? For those who want to invest, why don't I directly buy 1234 or 5678 with that money, but stipulate that I must buy government funds? Besides, this "automatically bought by everyone" fund did not first make a risk forecast, risk assessment, or public statement with investors, and most of them were foolishly detained. Take my relatives in Canada as an example, even working students in beverage stores have the right to join the pension system, and they can choose their own funds in their retirement accounts, as long as they have a certain number of years, they can be tax-free, and the system is similar in the United States. .
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Md. Naim Hasan Student

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