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艾倫的理財研究室

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勞保2021-勞保+勞退+OO=退休月領4萬的3個方法

政府提供的社會政策年金 頂多夠退休後吃飯而已 想要真正退休不工作 退休金每個月至少要四萬才算安心 今天我直接整理出來一套 可以讓你自己評估的三個方式 讓你清楚的知道 現在的你如果想在未來領到足夠...

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勞保公保2021。活多久領多久優勢可能消失?淺談『確定提撥制』以及你沒發現的『暗改』機制。

退休金『暗改』機制的加入 未來退休金就有可能一改再改 而勞保年金改革的草案 其實也是暗藏這細節中的魔鬼 今天我除了會用簡單的方式 跟你分享『確定提撥制』以外 也會針對勞保年金改革草案裡 我所看到...

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資產配置2021|其實你的錢,掌控權可能不在你身上。

今天我們來聊聊,你可能不知道的『資產配置黑洞』 過去幾年我和團隊夥伴接了好幾百場的財務諮詢和規劃案 我們發現在台灣大多數人喜好的理財方式都藏著這個黑洞 最嚴重的情況,可能還會導致有錢也無法自由使用的...

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勞保2021|新制不只無法一次請領,還有其他更大的損失?

八月中我發布了一支 『勞保繳24年,給付卻被充公』的影片 開始有人意識到 有很多權益其實會在不知不覺中消失不見 其實還有一些勞保給付也即將消失 不只未來無法申請一次請領 就連其他的給付也連帶受影響...

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勞保2021|勞保領很少?額外多領退休金的三大規劃重點。

你有沒有一種感覺… 『勞保算半天,也就只領一兩萬』 但是現在就算單純日常的食衣住行 可能就要花上兩三萬了 這樣算下來,退休只能勉強過日子 明明知道要另外準備退休金, 但是根本不知道怎麼開始... ...

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勞保2021|預估潛藏債務18兆?勞保會不會破產?

#QA說明部分更正 #國民年金A式保證給付為3772元 最近勞保破產新聞又出現了,標題非常聳動 寫著『潛藏債務18.45兆,勞保增加最多』 另一則『勞保潛藏債務逼近11兆元』新聞也是 不過也有『明年...

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勞保2021|勞保繳24年、退休金『充公』、領沒半毛錢?

七月底新聞報導一位勞工因病身故,給付被充公 他過去投保24年勞保,投保級距一直都是最高 他家人向勞保局申請相關給付卻被勞保局拒絕 這也是我在某次諮詢發現到一個蠻嚴重的問題 要知道,勞保講白了只是『政...

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勞退2021|上半年大賺三千億,勞退新制每人分1 5萬?

這週新聞發佈勞退基金收益大賺三千億的消息 新聞說以目前勞工1205萬人來算,每人可分1.5萬 看來勞退基金操盤績效好像不錯,是不是該自提? 如果看這則新聞,覺得勞退績效很棒,決定自提了 影片建議你不...

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勞保2021|考過公職勞保年資歸零?年輕人該不該加勞保?

我們從畢業以後到退休 大約有40年的時間都在工作 勞保和國民年金這兩項 佔了我們人生超過一半的時間 這些社會保險 在我們人生最後退休的2-30年也非常重要 如今卻可能有破產危機 如果不是強制納保,該...

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投資詐騙2021|投資群組帶你獲利,最後坑你連本帶利?

最近市場吸引大量的資金投入,就連小學生都開始學投資 疫情讓大家的錢『有志難伸』,想花還不一定花得掉 看盤、代操、投資、賺錢的教學課程大量出現在網路上 也有很多直銷、電商等等的也都主打『網路零成本創業』...