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政大機構典藏 > 商學院 > 國際經營管理英語碩士學程IMBA > 學位論文 > Item 140.119/128836

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Title:	中華民國公務員退休金與個人理財規劃 Pension planning and financial management for civil servants in R.O.C.
Authors:	楊佳毓 Yang, Chia-Yu
Contributors:	蔡政憲 Tsia, Jason 楊佳毓 Yang, Chia-Yu
Keywords:	退休金規劃馬可維茲效率前緣風險容忍度 Pension plan Markowitz Efficient frontier Risk tolerance
Date:	2020
Issue Date:	2020-03-02 11:08:41 (UTC+8)
Abstract:	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.
Reference:	內政部統計處: https://www.moi.gov.tw/stat/news_detail.aspx?sn=11735 50 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.pdf Open 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.pdf Wikipedia: https://is.gd/ZmC6XG Wikipedia: 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=14433 Investyadanya: 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.pdf Individual financial planning excel sheet is provided from Individual financial planning course teach by professor Chou 周行一教授
Description:	碩士國立政治大學國際經營管理英語碩士學位學程(IMBA) 106933013
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0106933013
Data Type:	thesis
DOI:	10.6814/NCCU202000131
Appears in Collections:	[國際經營管理英語碩士學程IMBA] 學位論文

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