The Study of the Retirement Plans by the Bond Fund-Class

• Main Authors: HUANG,TUNG-SHUN, 黃東順
• Other Authors: Wu,Chun-Kuang
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/27731726816827025061

碩士 === 輔仁大學 === 科技管理學程碩士在職專班 === 103 === With the increase of aging population and the impact of low-birth rate, the dependency ratio gradually rises because of transformation in society and family structure. A widening gap between the rich and poor is brought about M-Form Society, which is contributed to increasing burden on system of pension and the lack of resources for the old. Therefore, the personal of financial plan is seen important. This financial planning firstly consider life style and prepare the total amount of asset for retirement, and then calculate income in the future and the present asset, subtracted two of which and there is a financial gap of retirement if the figures are negative. The ways of reinforcing this gap are including creating a career, personal or family saving and even some work hard to plan their retiring. Thus, I suggest conduct financial plan in advance and grow knowledge of managing money, making this plan run smoothly and release the pressure of preparing. In addition, main source of financial plan should not completely depend on the government in order to prevent overwhelming burden on national finance, the authorities should also promote the financial plan on retirement to the lecturer at schools or universities, so students can gain the knowledge and resource which they need at various age group. The research expects to reduce the pressure on the financial gap of insufficient pension by the management of dividend fund in mutual fund. Besides, pensions from every investor can safely and sanely grow with the time effect of compound interest and the adjustment of risk control. Selecting funds by Rule of 4433 can meet the anticipation of investor. During the process of it can try to choose the short-term index and find the trend of global economic status, which is helpful to control the market. With the investment of portfolio, efficiently reduces the investment risk. General, long-term investment on dividend fund can not only help investor defeat the combination rate of inflation plus time deposit but also gain excess return. The only thing investors have to do is own perseverance and regularly view performances.