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26.05.2009

個人型確定拠出年金-後編


前回、前々回で説明した「個人型確定拠出年金」について説明し切れなかった部分も含め、わかりやすくまとめてみます。


「個人型確定拠出年金」とは、公的年金を保管するものとして、自身で老後の資金を確保するための制度です。

・自身の老後のために、自分で掛け金を決め積み立てていく

・60歳までは途中で引き出しできない

・積立金は自分で金融商品を選び、運用していく
 
・受け取り方も年金or一時金で選べる

・転職後も継続可能

・加入できるのは企業型年金や厚生年金基金等に加入していない企業の従業員、自営業者

・税制上のメリットが大きい
 月々の掛け金が全額所得控除
 (自営業者6万8千円/月 サラリーマン1万8千円/月まで)
 運用利息などの運用益にかかる源泉税が非課税


いまや、300万人以上が加入しているとされるこの制度。

加入者のいちばんの関心は「どんな金融商品を、どのくらいのバランスで選択すればいいのか?」ということだと思いますが、それはそれぞれの人のリスク許容度や性格、好み、状況によって変ってくるのがあたりまえのこと。

幸か不幸か、60歳までは引き出せないのですから、いろいろ学び、試行錯誤を繰り返しながら、自分の運用スタイルを確立させていただければと思います。

もちろん、ご相談も受け付けておりますよ~。(*^_^*)


++++++++++++++++++++++++++++

今回ご紹介した金融商品について、もっと詳しいことが知りたいと
いう方は、お気軽にお問い合わせください。

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