| dc.contributor.advisor | 蔡政憲 | zh_TW |
| dc.contributor.advisor | Tsia, Jason | en_US |
| dc.contributor.author (作者) | 楊佳毓 | zh_TW |
| dc.contributor.author (作者) | Yang, Chia-Yu | en_US |
| dc.creator (作者) | 楊佳毓 | zh_TW |
| dc.creator (作者) | Yang, Chia-Yu | en_US |
| dc.date (日期) | 2020 | en_US |
| dc.date.accessioned | 2-三月-2020 11:08:41 (UTC+8) | - |
| dc.date.available | 2-三月-2020 11:08:41 (UTC+8) | - |
| dc.date.issued (上傳時間) | 2-三月-2020 11:08:41 (UTC+8) | - |
| dc.identifier (其他 識別碼) | G0106933013 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/128836 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 國際經營管理英語碩士學位學程(IMBA) | zh_TW |
| dc.description (描述) | 106933013 | zh_TW |
| dc.description.abstract (摘要) | 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. | en_US |
| dc.description.tableofcontents | 1. Introduction 11.1. Research Background, Motivation and Purpose 12. Retirement system in Taiwan and other countries 22.1. Retirement System in Taiwan 22.1.1. System Architecture 22.1.2. Insurance System of Civil Service (公務人員保險制度) 22.1.3. Public Service Pension System (公務人員退休資遣撫卹制度) 32.2. US 401K Retirement Savings Plan 42.2.1. 401K Special Features 52.3. Singapore Central Provident Fund 72.4. Switzerland Pension Reform in 2020 73. Financial Planning 83.1. Financial Planning Procedure 83.2. Calculation of the Gap Between Ideal Pension and Actual Preparation Funds 93.3. Risk Tolerance in Financial Planning 103.4. Investment Vehicles 113.4.1. Popular Pension Investment Commodity in the Market 113.4.2. Trust System 123.4.3. Reverse Mortgage Loan 133.4.4. Platform of Investment Options on Labor Pension Fund 133.5. Develop Personalized Investment Strategy 144. Personal Pension Planning Applications and Advices 174.1. Pension Planning Application - Scenario one 174.2. Pension Planning Advices- Scenario one 204.3. Pension Planning Application - Scenario two 224.4. Pension Planning Advices- Scenario two 244.5. Pension Planning Application - Scenario Three 254.6. Pension Planning Advices- Scenario Three 275. Conclusions 306. Reference 317. Appendix 1 338. Appendix 2 37 | zh_TW |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0106933013 | en_US |
| dc.subject (關鍵詞) | 退休金規劃 | zh_TW |
| dc.subject (關鍵詞) | 馬可維茲 | zh_TW |
| dc.subject (關鍵詞) | 效率前緣 | zh_TW |
| dc.subject (關鍵詞) | 風險容忍度 | zh_TW |
| dc.subject (關鍵詞) | Pension plan | en_US |
| dc.subject (關鍵詞) | Markowitz | en_US |
| dc.subject (關鍵詞) | Efficient frontier | en_US |
| dc.subject (關鍵詞) | Risk tolerance | en_US |
| dc.title (題名) | 中華民國公務員退休金與個人理財規劃 | zh_TW |
| dc.title (題名) | Pension planning and financial management for civil servants in R.O.C. | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | 內政部統計處:https://www.moi.gov.tw/stat/news_detail.aspx?sn=1173550 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.pdfOpen 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.pdfWikipedia:https://is.gd/ZmC6XGWikipedia: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=14433Investyadanya: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.pdfIndividual financial planning excel sheet is provided from Individual financialplanning course teach by professor Chou 周行一教授 | zh_TW |
| dc.identifier.doi (DOI) | 10.6814/NCCU202000131 | en_US |
