強迫金就係騙案

點解強迫金咁搵笨,除咗高到hihi嘅1.89 %管理費(平均喎),仲有一個問題叫「侷賭」。

依家強迫金係無一個option叫無管理費定期存款,全部都係迫你買基金,但基金係涉及風險,換言之,政府迫你將你啲棺材本用嚟。迫你自己賭都算,最大鑊係迫你用僱主指定果條hihi幫你賭,我想問係乜道理嚟。你試吓入投注站,馬會迫你用馬會指定果位「填飛員」代你投注,你估你會點?

如果依家呢個所謂退休制度不改,強迫金繼續係騙案。全民退休保障未必係最好方法,但一定好過你強迫金。

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One response to “強迫金就係騙案

  1. lantern

    I’ve been working in both US and Australia but I’m also not aware of the existence of any superannuation funds that are essentially term deposits. The closest match is money market funds, but my understanding is that those funds invest on high quality short term bonds. If we can treat term deposit as a type of bond then may be yes, money market funds can be equivalent to term deposits.

    I don’t have much idea of the MPF market in HK as I left HK before the MPF came into play. Do you mean that the fund providers don’t even offer money market funds?

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