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耒戈氏 |
發表於: Dec 30 2015, 00:47
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反潮流才是王道!! 發表數: 6,255 所屬群組: 太守 註冊日期: 7-15-2007 活躍:23 聲望:1540 |
In fact I say so because "全民退保" plans are not sustainable at all. Even Prof. Chow plan initially predicts that the fund will run out at around 2040s ~ 2060s (I forgot the exact date) - when we are going to retire. This. Give the young people an impression that they will only pay for the old but never receive any payment when they get old. Even today, countries having such a plan are now troubling with their finances, and have to keep increasing taxes in order to fix this. For the worst case, look at Greece. --- If I were the government, I would ditch such a plan completely and instead reform the MPF schemes such that it really useful for saving when citizens get old (Reduce commission fee etc), as well as figuring out how to help self-employed people to save for the old too. |
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Pearltea | |
四品官 發表數: 1,289 所屬群組: 太守 註冊日期: 9-22-2003 活躍:5 聲望:614 |
I have not seen the comments from Prof. Chow. But I highly doubt the accuracy of the estimate that claims to project the depletion of the fund at exactly x numbers of years later. While the government often sees variance between the actual and budgeted expenditure in the millions or even billions, it would seem too idealistic to project anything in such long term without having the ability to foresee and account for any “black swan events” that could impact (positively/negatively) the economy along the way. (I am pretty skeptical at those so-called precise long term projections and using them as propaganda)
However, I did see one article that cited from the plan proposal? (諮詢文件).The fund will run into a deficit by 2064 assuming every retiree is compensated equally and if there is no increase in tax of any form. (Again, long term projections like this is just as good as it seems on paper) This would seem somewhat reasonable as such program would require additional funding from realistic and periodic contributions. It would make sense to implement increases in different kinds of tax in order to support the system (scheme) perpetually. If the plan commences next year, the fund will come from the existing reserve which is largely built by the middle-age to elderly today, not the Millennial, but eventually they will play a pivotal role in contribution into the funds in order to reap the same benefit when they retire. I would love to agree with your argument on Greece, but while the country spends a great deal of the GDP on pension, the economy wasn’t crippled by this one sole factor. The government has spent and borrowed its way into oblivion had failed to address the high unemployment rate, curtail spending like public sector jobs, national defense, and mounting debts before the problem became too large to tackle. However, there are countries (such as the Scandinavians and Switzerland) that are able to maintain a healthy economy along with a pension system. 本篇文章已被 Pearltea 於 Dec 30 2015, 03:36 編輯過 |
neveryield |
發表於: Dec 30 2015, 04:20
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一品官 發表數: 2,057 所屬群組: 一般 註冊日期: 9-30-2010 活躍:13 聲望:529 |
1. 荷捐雜稅
2. 掠奪他國 3. 賣官售爵 4. 借貸度日 5. 出讓資產 6. 加印錢钞 -------------------- 世間之事,惟鬥爭已。
既便你達成了那最高尚的目的,亦無法彌補因为你採用了最卑劣的手段所帶来的恶劣影響。 一碗醇酒拈手來,坐看洪流不復來 經年不見花已殘,舊日芳人何處尋 開醰陳酒香四溢,醉臥山河愁不還 倒酒為河,夾肉為林,有此佳肴,何以為憂? 眾人皆醒,唯我猶夢中,不知年日,問長城依舊? 一竹獨行,十木皆枯,百里無塵,千秋不還。 日月更年,星晨生息,西海東來,南松北往。 還看舊地,天移地去,綠葉無蹤,礫石為孤。 蒼蒼茫茫,滴水沉泥,青草既出,逝會歸回? 大雪連綿千幾里,孤房門角一窗櫺, 老湖中間一條狗,獨坐冰樹望烏雲。 杯中良酒回回香,甘甜酒辣酸辛苦, 佳陳何止千百變,喜愁哀樂豈無嚐? |
試驗帳號2 |
發表於: Dec 31 2015, 03:30
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六品官 發表數: 652 所屬群組: 一般 註冊日期: 10-08-2014 活躍:4 聲望:363 |
預祝各位新年快樂
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Caesar |
發表於: Dec 31 2015, 17:18
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Loop 發表數: 7,489 所屬群組: 軍團長 註冊日期: 12-18-2004 活躍:50 聲望:2218 |
此主題已被回收。
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