適用勞退新制的勞工，除雇主每月強制提繳的退休金外，自己也可在每月工資6%範圍內彈性自願提繳退休金，建議勞工朋友，尤其是學生打工族或初入職場的社會新鮮人及早來參加，提繳時間越長，可領取的退休金也越多，並可享有下列好處喔~
✅享有賦稅優惠：自願提繳金額不計入提繳年度薪資所得課稅。
✅保證收益機制：提繳退休金期間之累積運用收益，不低於依當地銀行2年定期存款利率計算的保證收益。
✅保障退休生活：增加勞工退休金個人專戶累積金額，強化退休生活保障。
※勞工可口頭或書面【可至勞保局官網下載「勞工退休金個人自願提繳徵詢表」(https://www.bli.gov.tw/0012967.html )】向雇主表達自願提繳意願，由雇主向勞保局申報即可喔！
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勞動部自提影音分享
勞保局「勞退自提好處多!」懶人包⏩ https://www.bli.gov.tw/0020718.html
Aside from the employer’s mandatory monthly pension contributions, workers under the new pension system may voluntarily contribute any amount within 6% of their monthly salary. Workers, especially students working part-time jobs or those who have just entered the workforce are recommended to participate as a higher amount of pension can be claimed due to longer contribution periods. You can also enjoy the following benefits~
✅Tax benefits: Voluntary contributions are not calculated into your annual income tax.
✅Guaranteed income mechanism: During the voluntary contribution period, the accumulated income may not be lower than the calculated 2-year savings deposit interest given by local banks.
✅Guaranteed retirement: Increase the wealth accumulation in worker’s pension accounts to better insure their life after retirement.
※Workers can speak to their employers or submit documents [downloaded from the Bureau of Labor Insurance website, “Individual Voluntary Contribution Inquiry Form for Worker’s Pension” (https://www.bli.gov.tw/0012967.html)] to state your willingness for voluntary contributions and your employer will apply to the Bureau of Labor Insurance on your behalf!
More Information👇
Bureau of Labor Insurance Media
Bureau of Labor Insurance “Benefits of Voluntary Contributions!” cheat sheet
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