嘩，好過買債券 !!!
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羅致光：退休長者資產投放「純年金」可同時享長生津
2016-01-09 HKT 11:08
對於政府提出，可討論是否透過設立公共年金，解決退休保障問題。提出設立年金的扶貧委員會關愛基金專責小組主席羅致光表示，資產不多的退休長者，如果將資產投放於「純年金」，同時可享有長者生活津貼、甚至領取綜援。
羅致光解釋，年金計劃類似政府的ibond，風險較低，舉例退休長者若有100萬元資產，若全部投放在「純年金」計劃，即是等同沒有資產，就可申領2千多元的長生津；再加上預料投放「純年金」後每月有4千元回報，即是每月可有6千多元。
羅致光認為，設立年金對中產的保障更高，可確保穩定回報，亦能預計到每個月有多少錢用，不用擔心因長壽因素減少使費，從而壓縮消費，有助改善生活質素。他又認為，設立年金對整體經濟亦有幫助，當退休人士不用壓縮消費，社會累積的總消費就不會有下行壓力。
羅致光又說，尤其對於低收入人士，只有數十萬元資產，但什麼福利也沒有，若將資產投放年金上，每月領取一、二千元，再加上長生津甚至綜援金，相信這是最有效的保障。
To share the discussion with my brother.
[12/12 9:21 am] Philip Tang:
for 2000 years there have been interesting pursuits. in the end, not talking about moral stuff, its science that prevails. when i say science i mean the global scientific community, not a few scientists.
moral issues aside, i am glad that science has laid a solid foundation in human civilisation.
as i discussed things with portia and bryan, i always led them to science, logic, reality etc. reality is also important, lest we will be armchair theorizing.
facts are important, i.e. reality. what chains the facts together in meaningful ways is knowledge and theory. theory can predict what comes next. facts alone are bare facts.
there are all sorts of theories, scientific theory, conspiracy theory, yin and yang etc.
what you believe very much shapes your character, present and future.
Man is lonely by birth.
Man is only a pilgrim on earth.
Born to be king, time is but a temporary thing,
only on loan while on earth.
Like the wind in the tree,
man has been rather reckless and free.
Thrown far and wide, we long to settle down beside
the stream flowing through eternity.
Like the grass on the lawn,
we will pass by the way and be gone.
A lesson to learn, we walk but once there's no return.
Time is always moving on.
Man is longing for One,
for a song and a place in the sun,
a home up above where ev'ry day is lived in love, for
rest when the journey is done.
强積金 : 問題不是不同年齡需要有不同的投資策略，平時我們可以這樣講。但对强積金而言，那是基本的退休保障，應該以保守的投資計算，因為輸不起。進取型的投資應該應用於閒資 (spare money)，而不是强積金。
强積金多年來的低回報是另一個問題，不能混為一談。因為即使採用進取型，亦不表示必然賺錢，反而風險增加了而可能得不償失，屆時便退休無望了。
香港很奇怪，有一個玩具是有錢人不敢玩，玩不起，因為可以輸身家，但窮人卻可以免費玩，那就是司法覆核，全是納稅人付鈔，不單是律師費，還有延後的數以億計的社會成本。本來通過法律援助進行司法覆核旨在公平地伸張正義，但平衡點似乎過了頭。不知海外的法援是否這樣的？
現代戰爭不用流血。以本傷人的商業策略，與古時戰爭無異，近期貨幣戰亦然。幾年前美國實施量化寬鬆，溝淡所有持有美元貨幣的人(包括窮人)及其他國家的財富，以致美國獨大，繼續以不負責任的行為搶掠，以借貸維持其享樂，以量化寬鬆來減債，繼而以武力威嚇。如今中國實施人民幣貶值及減息，其殺傷力影響所及，美國可能需要延遲加息以致延遲其回歸經濟正常軌道，所種下的惡性投資可能越滾越大，不感想像。
Tsipras is a genius politician. First he won the election, then the referendum, and finally the votes of the opposition in parliament. Now he has "united" the sentiments of the greek population. And Europe happens to be still so romantic about people power. Not only has Tsipras won Greece but also the leftist sentiment of Europe. Having said that the latest proposal submitted by him is an indication of pragmatism after all. By this weekend we will all know what is real politics or realpolitik, and Tsipras will make his mark in history one way or another.
一個先使未來錢又拖欠還錢的西方民主國家，其領導人將會帶領國家走向衰敗，以為可以爭取保持高福利政策最後或許變成弄巧反拙，主要原因就是甚麼都"去到盡"，幾十年來不顧後果(子孫)推行高福利政策，談判時又採取去到盡冇彎轉只談尊嚴不顧現實的策略，最終只會因為自私及/或自以為是而失販。
i was thinking if some people don't like means test because of its stigma, in the case of old aged pension, can we simply dish out the pension for everyone aged 65 or above, and then for those who have to file a tax return, at their senior age, there will be a separate section where they have to put in the amount of pension received and if their net income, apart from the pension amount, has reached a certain level then in ascending scale the whole amount of the pension will become tax. this will do away with the stigma issue, and somehow will minimise all hassles and administrative work. if we go along that line, only two questions remain: (1) the pension amount, and (2) the level of net income in a tax return that serves as the ultimate means test.
The Western world has gone through industrial revolution (capitalisation), democratisation, information revolution (computerisation), but economic growth has been unsustainable in recent years. Unless there is any success in the energy revolution (shale gas), the US economy will probably continue to suffer in the face of the rise of China and the economic growth in other countries associated with China.
從馬克思理論看，剝削的大本營東移了。
