如果DB不用自己供款,那真是共产主义了!我知道很多是不需要自己供款的,最后拿 工作年限 x 工资 x 2% / 年
不了解老师是如何供款的,刚才看了一下安省教师的退休金与供款
退休金也是这个公式:
If you earn $85,000 in your five highest salary years and have 30 years of credit, your basic annual pension would be 2% × 30 × $85,000 = $51,000.
又看了一下供款,原来所谓的供款是CPP + 超过CPP的部分,
CPP这部分每个上班的的都要供,很正常,是政府福利
唯一不同的是超过CPP的那部分,但这是很少一部分
所以DB就是福利啊,年头干够,拿的不少。。。
For example, in 2021 you contribute:
The CPP limit, which changes annually, is $61,600 in 2021.
- 10.4% of your annual salary up to the CPP limit, plus
- 12.0% of any salary above the CPP limit.
我认为这里面不包括CPP供款。
RRSP的ROOM 是18%,教师这个供款比例加MATCH比例,等同于普通雇员把RRSP 供款供到最大
所以退休后才能拿那么多。
这一段说的比较清楚,那个公式里已经包括CPP了。。
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How Your Pension Works with CPP
Our plan works with the Canada Pension Plan (CPP), just like many defined benefit pension plans in Canada. Contributions to and benefits from Ontario Teachers' take into account your participation in CPP.
Old Age Security (OAS) has no impact on your Ontario Teachers' pension.
During your working years
You contribute to both your Ontario Teachers' pension and CPP.
Each year, CPP establishes a maximum amount of earnings (also known as the Year's Maximum Pensionable Earnings, or the YMPE). If you earn more than the YMPE, then you don't pay CPP contributions on the portion of your salary that's above the YMPE.
Your Ontario Teachers' contributions were reduced to reflect the contributions you made to the CPP during the same period.
我觉得需要这么理解,所以你的DB也包含了CPP呀,
你领CPP的年纪开始,DB就要调整
你的截图里讲的很清楚。
我觉得需要这么理解,
CPP是福利吧,你和公司每年供一点,最后你每个月最多能拿1100左右,大家都依然想要
有企业DB的也是福利,你和公司供一些(有自己不供的),
最后拿 系数% ×工作年限 × 工资 = Basic annual pension
无论是分开算还是合在一起算,就是两块福利啊
而不是都是自己的钱,如果那么说,CPP的福利也都是自己的钱了
这个理解从根本就是错的。CPP不是福利,OAS和GIS才是福利
CPP是你自己的钱,来源是雇员和雇主共同供款。完全不是福利。
CPP现在满额供款一年是5700多。这个数目一点不小。大部分加拿大人退休CPP领取的额度也就是这个数目。