上班族一定要知!MPF新式供款 「可扣稅自願性供款」3大優點

文: Antonie
2020.01.07

作為打工一族嘅你,除咗公司年假同醫療等福利之外,當然更不能忽視強積金(MPF),懂得選擇適合自己的供款同投資組合,令你退休生活無憂!

可扣稅自願性供款(TVC)的3大優點
現時除僱主僱員強制性供款之外,大家亦可每月為強積金作額外的自願性供款。為咗鼓勵市民及早養成儲蓄習慣, 由2019年4月1日起,計劃成員可以作出可扣稅自願性供款(TVC),享受稅務優惠嘅同時亦能夠強化退休儲備,有以下3大優點:

1:方便
僱員可自選喜歡的強積金計劃開立「TVC帳戶」,並直接向該計劃作出供款,而無須經由僱主轉交供款予強積金受託人。存入「TVC帳戶」的供款而又不超過扣稅額上限*可以扣稅。強積金受託人亦會每年提供供款概要,方便填寫報稅表。

*稅務扣除額上限為每年60,000元,為合資格延期年金保費和可扣稅自願性供款的合計上限。可節省的稅款額視乎個人收入、所享有的扣除額及免稅額、以及合資格延期年金保費或可扣稅自願性供款金額而定。


2:靈活
可靈活安排可扣稅自願性供款,按不同的供款周期或不定期地供款,亦可以因應個人情況隨時增加、減少、停止或重新開始供款。但可扣稅自願性供款跟強制性供款一樣,須保存至65歲才可提取(符合法例訂明的特定情況除外)。


3:簡單
TVC帳戶持有人可隨時將全數帳戶結餘轉移至其他強積金計劃的TVC帳戶。


為何要作出自願性供款?
說到底強積金其實也是為大家帶來基本退休保障,不過單靠僱主僱員強制性供款,到退休那一天又是否足夠維持退休生活?要安享晚年,最好方法是盡早開始作退休儲蓄。因此不少上班一族會選擇作出自願性供款,為自己累積額外資產。
更重要的是,愈早開始投資及儲錢,便可愈早享有複息效應的好處。時間愈長,複息效應的威力便愈大。每月投資數百元作額外的強積金供款,退休時的強積金必定會大增!
 
 
想了解更多?可瀏覽積金局網頁(www.mpfa.org.hk)TVC專頁或受託人服務查詢。

Source: MPFA

活動資訊

  • 地址 積金局
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