A. 紼庡歡鍏昏佷繚闄╀釜紼庢墸闄ょ殑鍐呭規槸浠涔堬紵
紼庢敹閫掑歡鍨嬪晢涓氬吇鑰佷繚闄╂槸鎸囧湪鎶曚繚浜烘湭棰嗗彇淇濋櫓閲戜箣鍓嶏紝鍏剁即綰崇殑淇濊垂鍙浠ヤ韓鍙楃◣鏀朵紭鎯犳斂絳栵紝鍗充釜浜烘墍寰楃◣鍙浠ュ湪閫浼戦嗗彇鍏昏侀噾鏃跺啀鏀浠樸
鏍規嵁銆婁釜浜烘墍寰楃◣娉曘嬪強鍏跺疄鏂芥潯渚嬬殑瑙勫畾錛岃嚜2019騫1鏈1鏃ヨ搗錛屽逛簬璐涔扮◣鏀墮掑歡鍨嬪晢涓氬吇鑰佷繚闄╃殑涓浜猴紝鍦ㄧ即綰充繚璐規椂鍙浠ユ寜鐓ф瘡騫翠笉瓚呰繃12涓囧厓鐨勯檺棰濓紝鍦ㄨ＄畻搴旂撼紼庢墍寰楅濇椂鎵ｉ櫎緙寸撼鐨勪繚璐廣
涓浜烘墍寰楃◣鍏昏佷繚闄╂墸闄ゆ爣鍑嗭紵鍗曚綅涓轟釜浜虹即浠樺拰涓浜虹即浠樼殑鍩烘湰鍏昏佷繚闄╄垂銆佸熀鏈鍖葷枟淇濋櫓璐廣佸け涓氫繚闄╄垂銆佷綇鎴垮叕縐閲戱紝鍙浠ヤ粠綰崇◣涔夊姟浜虹殑搴旂撼紼庢墍寰楅濅腑鎵ｉ櫎銆傜洰鍓嶏紝涓婅堪鈥滀笁闄╀竴閲戔濈敱浼佷笟鍜屼釜浜哄叡鍚岀即浠橈紝鍥犳ゅ逛簬鍗曚綅鎸夌収瑙勫畾鐨勭即璐規瘮渚嬪疄闄呯即浠樼殑錛屽厤寰佷釜浜烘墍寰楃◣;涓浜烘寜鐓ц勫畾緙磋垂姣斾緥鎴栧姙娉曞疄闄呯即浠樼殑錛屽厑璁稿湪涓浜哄簲綰崇◣鎵寰楅濅腑鎵ｉ櫎銆
紼庢敹閫掑歡鍨嬪晢涓氬吇鑰佷繚闄╂槸鎸囧湪鎶曚繚浜烘湭棰嗗彇淇濋櫓閲戜箣鍓嶏紝鍏剁即綰崇殑淇濊垂鍙浠ヤ韓鍙楃◣鏀朵紭鎯犳斂絳栵紝鍗充釜浜烘墍寰楃◣鍙浠ュ湪閫浼戦嗗彇鍏昏侀噾鏃跺啀鏀浠樸傝繖縐嶄繚闄╃殑鏈澶х壒鐐瑰氨鏄鑳藉熷疄鐜扮◣鏀墮掑歡銆
銆愭硶寰嬩緷鎹銆戱細
銆婁腑鍗庝漢姘戝叡鍜屽浗紺句細淇濋櫓娉曘嬬鍗佹潯銆鑱屽伐搴斿綋鍙傚姞鍩烘湰鍏昏佷繚闄╋紝鐢辯敤浜哄崟浣嶅拰鑱屽伐鍏卞悓緙寸撼鍩烘湰鍏昏佷繚闄╄垂銆
鏃犻泧宸ョ殑涓浣撳伐鍟嗘埛銆佹湭鍦ㄧ敤浜哄崟浣嶅弬鍔犲熀鏈鍏昏佷繚闄╃殑闈炲叏鏃ュ埗浠庝笟浜哄憳浠ュ強鍏朵粬鐏墊椿灝變笟浜哄憳鍙浠ュ弬鍔犲熀鏈鍏昏佷繚闄╋紝鐢變釜浜虹即綰沖熀鏈鍏昏佷繚闄╄垂銆
鍏鍔″憳鍜屽弬鐓у叕鍔″憳娉曠＄悊鐨勫伐浣滀漢鍛樺吇鑰佷繚闄╃殑鍔炴硶鐢卞浗鍔￠櫌瑙勫畾銆
B. 紼庡歡鍏昏侀櫓鏄浠涔堟剰鎬
5鏈7鏃ワ紝涓鍥介摱琛屼繚闄╃洃鐫ｇ＄悊濮斿憳浼氱浉鍏抽儴闂ㄨ礋璐ｄ漢灝便婁釜浜虹◣鏀墮掑歡鍨嬪晢涓氬吇鑰佷繚闄╀駭鍝佸紑鍙戞寚寮曘嬮栨″悜濯掍綋璇存槑璇曠偣瀹炴柦鐨勫師鍒欏拰鍏蜂綋鎿嶄綔緇嗚妭銆傚囧彈紺句細鍏蟲敞鐨勭◣寤跺晢涓氬吇鑰佷繚闄╄繘鍏ヤ簡鍚鍔ㄩ樁孌點
閭ｄ箞錛屼粈涔堟槸紼庡歡鍏昏佷繚闄?
紼庡歡鍨嬪吇鑰侀櫓瀹炶川涓婃槸鍟嗕笟鍏昏佷繚闄╃殑涓縐嶏紝鍏惰摑鏈鏄鍙傝冨湪緹庡浗瀹炴柦澶氬勾鐨401K銆備釜浜洪氳繃涓撶敤璐︽埛璐涔扮﹀悎瑙勫畾鐨勫晢涓氬吇鑰侀櫓錛屽彲浠ュ湪涓瀹氭爣鍑嗗唴紼庡墠鎵ｉ櫎錛岃″叆璇ヨ處鎴風殑鎶曡祫鏀剁泭鏆備笉寰佹敹涓紼庯紝絳夊埌棰嗗彇鍟嗕笟鍏昏侀噾鏃跺啀寰佹敹涓浜烘墍寰楃◣銆
綆鍗曟潵璇達紝紼庡歡鍏昏佷繚闄╂湁浠ヤ笅鍑犱釜鐗圭偣錛
1錛岀即綰崇殑鏃跺欏厤鎵ｉ儴鍒嗙◣鏀訛紝宸ヨ柂鏃忔墸闄ら檺棰濅負褰撴湀宸ヨ祫鐨6%錛屾渶楂樻墸闄1000銆備釜浣撴埛鎵ｉ櫎闄愰濅負騫存敹鍏ョ殑6%錛屾渶楂樻墸闄12000錛岃鋒敞鎰忥紝榪欎釜鏄浠ュ伐璧勪負鎵ｉ櫎瀵硅薄鐨勶紝鑰屼笉鏄浠ヨ喘涔頒簡澶氬皯淇濋櫓涓烘墸闄ゅ廣
涓句緥錛屽亣璁句綘宸ヨ祫涓7000錛岄偅涔堝氨鏄70006%=420錛岄偅涔堣繖420鏄涓嶇敤緙寸◣鐨勩
2錛屾姇璧勬敹鐩婃殏涓嶅緛紼庯紝鐩存帴澧炲姞涓浜烘敹鐩婏紝榪欎釜鏀剁泭鍙鏄浠ュ嶅埄璁＄畻鐨勫摝
3錛岄嗗彇鐨勬椂鍊欙紝25%鐨勯儴鍒嗘槸鍏嶇◣鐨勶紝鍏朵綑75%錛屾槸鎸10%璁＄畻涓浜烘墍寰楃◣銆
4錛屾棤璁哄備綍錛岄兘鍙浠ユ妸璐︽埛鐨勯挶棰嗗畬銆傚傛灉涓涓浜烘湭棰嗗畬涓嶅垢鍘諱笘錛岄偅涔堢戶鎵誇漢鍙浠ョ戶緇棰嗗彇銆
灝忕粨錛紼庡歡鍏昏佷繚闄╅【鍚嶆濅箟灝辨槸紼庢敹寤惰繜涓婁氦鐨勫吇鑰佷繚闄╋紝鍏朵互澶嶅埄璁＄畻錛屽湪紼庢敹鏂歸潰寤惰繜璁＄畻鐨勮瘽錛岄挶婊氶挶錛屽凡緇忚╄淇濋櫓浜哄湪閫浼戜箣鍓嶈幏鍙栦簡寰堝ぇ鐨勫嶅埄鏀跺叆錛屽湪棰嗗彇鐨勬椂鍊欙紝鐢變簬鏈25%鐨勫厤紼庨濓紝鎵浠ユ渶澶ф潈鐩婄殑淇濋殰浜嗚淇濋櫓浜虹殑鍒╃泭錛岃繕鏄闈炲父涓嶉敊鐨勩