Elnin asked in 商業及金融投資 · 1 decade ago

有關強積金...

強積金係咪即係將人工的一部分擺落一個戶口,等退休時才可領取?

僱主又會供款,咁咪即係僱員會多左d錢lor?咁僱主咪蝕lor?

強積金係咪都可以當股票咁投資架?咁會唔會蝕到冇晒d強積金架?

我個同事又話,就算蝕,都係蝕僱主果部分,其實係咪架?

4 Answers

Rating
  • 1 decade ago
    Favorite Answer

    強積金係咪即係將人工的一部分擺落一個戶口,等退休時才可領取?

    答:係

    僱主又會供款,咁咪即係僱員會多左d錢lor?咁僱主咪蝕lor?

    答:無話蝕唔蝕...佢可以唔再比bonus或者响你入職時調低你ge人工

    強積金係咪都可以當股票咁投資架?

    答:可以咁講...但係你只可以買一D指定ge基金

    咁會唔會蝕到冇晒d強積金架?

    答:理論上,會....實際上...唔會。因為強積金ge基金風險較低....政府做強積金係想打工仔儲錢...唔係炒...所以你唔會蝕到無哂...亦都唔會比你蝕到無哂

    我個同事又話,就算蝕,都係蝕僱主果部分,其實係咪架?

    答:呢個我又唔係好肯定...我建議你問你ge基金經紀啦!

  • 1 decade ago

    強積金係咪即係將你人工的一部分擺落一個戶口,等退休時才可領取.

    同時僱主又會供款(最多1000 或5%),剛剛成立係僱員會多左d錢, 但長遠僱主會計数, 當埋你人工一部份, 係咪?

    強積金係基金, 唔係股票. 至於會唔會蝕到冇晒呢, 應該唔會, 因為強積金d基金都係好少高風險, 無乜機會蝕到冇晒.

    你同事唔啱, 蝕就係蝕, 錢一放入户口就齊買貨, 賺蝕一齊, 邊有得分.

  • 1 decade ago

    1, employer's subcription = long term service compensation to the employee.

    2, You should say the MPF's investment are mainly equity market.

    3, It"s possible your MPF become nothing if the funds donot perform well or because of the worldwide downfall. Therefore, you should make a switching in case.

    4, Both portion will lose.

    Ask more and you will know more.

    ngyeungm@yahoo.com.hk

  • 1 decade ago

    強積金你供5%僱主供5%,筆錢會去左你自己個強積金戶口,等到65歲先可以取回,以前65歲退休僱主係要比一筆退休金比僱員,但係因為一次過比咁大筆錢好多僱主都比唔到,有d無良僱主會執左間公司,政府為左防範呢d人,所以要僱主預早比左呢筆錢出黎先,就係現左既強積金.

    筆錢係你個戶口,你可以選擇用邊一個投資組合,高風險投資係可能會冇晒,係你強積金戶口入面既錢全部係你,巳經冇分僱員及僱主部份,所以你要小心選擇用邊個投資組合.

Still have questions? Get your answers by asking now.