跳到主要內容

簡易檢索 / 詳目顯示

回結果列表
研究生： 楊佳毓
Yang, Chia-Yu
論文名稱： 中華民國公務員退休金與個人理財規劃
Pension planning and financial management for civil servants in R.O.C.
指導教授： 蔡政憲
Tsia, Jason
口試委員: 林姿婷
Lin, Tzu-Ting
陳威光
Chen, Wei-Kuang
學位類別： 碩士
Master
系所名稱： 商學院 - 國際經營管理英語碩士學位學程(IMBA)
International MBA Program College of Commerce(IMBA)
論文出版年： 2020
畢業學年度： 108
語文別： 英文
論文頁數： 37
中文關鍵詞： 退休金規劃 、馬可維茲 、效率前緣 、風險容忍度
外文關鍵詞： Pension plan, Markowitz, Efficient frontier, Risk tolerance
DOI URL： http://doi.org/10.6814/NCCU202000131
相關次數： 點閱：154  下載：0 
分享至:
查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報

    • In Taiwan, many people encounter the problem of insufficient preparation for pension. To construct a robust and personalized pension plan by themselves, it is essential for them to strengthen related financial knowledge.
    This thesis is aimed to help Taiwanese people, especially civil servants, to make pension plans. After realizing the pension planning procedure, readers can learn some investment tools and auxiliary planning tables. Knowing personal risk tolerance helps reader build an appropriate investment strategy. However, some people are concerned about whether they can make good use of the investment budget when doing asset allocation to generate maximized profits. Besides, should they invest more in risky assets instead of long-term deposits to reach their pension target? What is the proportion between risky and risk-free assets? This thesis provides the concept of efficient frontier originally from Markowitz to find optimal asset allocations, and construct cash flow tables to help readers have a clear picture of how to achieve their pension goals.
    It is essential to inspect and adjust financial plans base on individual’s financial status. Apart from that, this thesis provides some suggestions for readers to develop expected retirement plan successfully.

    1. Introduction 1
    1.1. Research Background, Motivation and Purpose 1
    2. Retirement system in Taiwan and other countries 2
    2.1. Retirement System in Taiwan 2
    2.1.1. System Architecture 2
    2.1.2. Insurance System of Civil Service (公務人員保險制度) 2
    2.1.3. Public Service Pension System (公務人員退休資遣撫卹制度) 3
    2.2. US 401K Retirement Savings Plan 4
    2.2.1. 401K Special Features 5
    2.3. Singapore Central Provident Fund 7
    2.4. Switzerland Pension Reform in 2020 7
    3. Financial Planning 8
    3.1. Financial Planning Procedure 8
    3.2. Calculation of the Gap Between Ideal Pension and Actual Preparation Funds 9
    3.3. Risk Tolerance in Financial Planning 10
    3.4. Investment Vehicles 11
    3.4.1. Popular Pension Investment Commodity in the Market 11
    3.4.2. Trust System 12
    3.4.3. Reverse Mortgage Loan 13
    3.4.4. Platform of Investment Options on Labor Pension Fund 13
    3.5. Develop Personalized Investment Strategy 14
    4. Personal Pension Planning Applications and Advices 17
    4.1. Pension Planning Application - Scenario one 17
    4.2. Pension Planning Advices- Scenario one 20
    4.3. Pension Planning Application - Scenario two 22
    4.4. Pension Planning Advices- Scenario two 24
    4.5. Pension Planning Application - Scenario Three 25
    4.6. Pension Planning Advices- Scenario Three 27
    5. Conclusions 30
    6. Reference 31
    7. Appendix 1 33
    8. Appendix 2 37

    內政部統計處:
    https://www.moi.gov.tw/stat/news_detail.aspx?sn=11735
    50 plus blog:
    https://50plus.cwgv.com.tw/articles/index/12685/1
    中華民國退休基金協會年刊:
    https://www.pension.org.tw/images/publication/2018-3.pdf
    Open your mind blog:
    https://dq.yam.com/post.php?id=8228
    (民93)歐元匯率與美元匯率對台灣股市報酬影響之波動
    http://nhuir.nhu.edu.tw/retrieve/28394/092NHU05305015-001.pdf
    Wikipedia:
    https://is.gd/ZmC6XG
    Wikipedia:
    https://wiki.mbalib.com/zh-tw/%E7%8E%B0%E4%BB%A3%E8%B5%84%E4%BA%A7%E7%BB%84%E5%90%88%E7%90%86%E8%AE%BA
    (民94)貨幣市場第九卷第六期,銀行財富管理業務與投資人理財需求之研究
    http://www.tbfa.org.tw/forum/forum_main_0167.htm
    今周刊:
    https://is.gd/FK539H
    銓敘部公務人員退休金試算器:
    https://iocs.mocs.gov.tw/medmvc/cal1010000
    公務人員退休撫卹基金管理委員會
    https://www.fund.gov.tw/News_Content.aspx?n=1862&s=14433
    Investyadanya:
    https://blog.investyadnya.in/6-steps-to-create-a-financial-plan/
    PG財經筆記blog:
    https://pgfinnote.com/public-service-pension-fund/
    Pension Fund Association, R.O.C:
    https://www.pension.org.tw/
    Mr. Market Blog:
    https://rich01.com/401k-401k-plan
    財團法人中華民國私立學校教職員退休撫卹離職資遣儲金管理委員會:
    http://www.t‐service.org.tw/
    中央研究院人事相關用語中英文對照公務人員年金改革內涵介紹:
    https://www.mocs.gov.tw/FileUpload/1194-5360/Documents/1060705公務人員年金改革內涵介紹%EF%BC%88立法院三讀通過版%EF%BC%89.pdf
    Individual financial planning excel sheet is provided from Individual financial
    planning course teach by professor Chou 周行一教授

    無法下載圖示 此全文未授權公開
    QR CODE
    :::