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25.05.2009

個人型確定拠出年金-中編

前回は、

運用なんてものをいちいち考えなくても「国」や「会社」にお任せしておけばよかった「確定給付年金」と異なり、確定拠出年金」は、本人が、あらかじめ指定される運用先の中から、掛け金を投資する先やその配分を指図しなければなりません。

そして、、あなた自身が、その運用で儲かっても損しても自ら責任をとることになるということ。

また、選択できる金融商品は、元本保証型からリスク商品まで。
具体的には預貯金、投資信託、株式、公社債、信託、保険商品などいろいろあり、それらを積み立て投資感覚で毎月購入していくイメージなのですよ。
ということを書きました。

で、その確定拠出年金のメリットとデメリットですが、

メリットとしては

・運用商品を自分で選択できる

・運用成績が良ければ受給額が増える

・運用に伴う配当金や運用益等は非課税

・個人型の場合、加入者の掛金は所得控除

・受け取る年金は、一時金の場合は退職所得扱い、年金の場合は公的年金等控除扱い

・転職しても資産を引き継げる

メリットがあれば当然デメリットもあります。^_^;
 
・運用リスクを個人が負う

・受給額を確定できない(目減りする可能性も)

・60歳になるまで(あるいは死亡するまで)資金を引き出せない

個人的にいちばん大きいと思われるメリットはやはり税制面ですね。
掛け金が全額所得控除されますし、運用益も非課税になりますから。

反対に最大のデメリットは途中で引き出せないこと。
逆に考えれば60才になるまでは使いたくても使えないのである程度確実に老後資金を貯めることができるということなんですけど。


前回、今回と、硬い文章で説明してきたのでいまひとつわかったようでわからない感じになっていそうですね。

ということで、次回は箇条書きで要点をまとめていきたいと思います。(^_^)/


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

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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