代写演讲稿:CPP计划的扩展

代写演讲稿:CPP计划的扩展

与SSP类似,CPP还应该具有混合的已定义贡献模式。这可能是一个双层方案,雇主和雇员必须强制各自缴纳10%。收集到的资金以后可以用来每年支付养老金。然而,在第二层次,雇员的贡献是不有限的,但雇主的贡献将限制在5%。当员工退休时,这整个金额将一次性提取。如果员工在退休前换了工作(Omand, 2016),所有的钱都可以拿走。随着CPP在8个省和渥太华谈判达成协议后的扩张,可以说低收入群体和年轻人将得到很大的好处。新政策将于2025年全面实施,因此,今天的年轻人将是第一批在2065年前领取养老金的员工。

代写演讲稿:CPP计划的扩展
CPP计划的扩展主要是为了给中等收入员工在退休时提供救济。联邦政府将通过对年收入54,900美元的人减税的方式为扩张计划提供资金。但是工人们必须支付他们收入的5.95%来购买新的CPP,每月大概43美元;由于税收减免,他们每个月只需支付34美元(Blatchford, 2016)。虽然新改革受到了年轻人和低收入群体的欢迎,但SSP等其他养老金计划也可以纳入联邦政府的CPP计划。CPP的未来似乎是光明的,因为加拿大人民欢迎它放松他们的退休计划。

代写演讲稿:CPP计划的扩展

Similar to the SSP, CPP should also have hybrid defined contribution schema. It can be a two-tier scheme where the employer and employee must contribute 10% each mandatorily. The collected funds can be later used to pay the pension annually. However, in the second tier the employee’s contribution is not limited but the contribution from the employer would be limited to 5%. This whole amount would be withdrawn when the employee is retired, in lump sum. The entire amount can be taken away in case the employee goes for a job change prior to retirement (Omand, 2016).With CPP expansion in line after the negotiated deal among 8 provinces and Ottawa, it can be said that low-income group and young people will be benefitted largely. The new policies will be fully implemented by 2025, and hence the today’s teen generations would be the first set of employees to receive their increased pensions by 2065.

代写演讲稿:CPP计划的扩展
The expansion in CPP plan is mainly aimed to give a relief to middle-income employees at the time of retirement. The federal government will fund the expansion plan through tax deductions for those who are earning $54,900 yearly. The workers though have to pay 5.95% of their income for new CPP which would be around $43 per month; they will have to pay just $34 monthly due to tax deduction (Blatchford, 2016). Although the new reform has been welcomed by the young and low-income groups, the other pension plans like SSP can also be included in the federal government CPP. Future of CPP seems to be bright as people of Canada are welcoming it to ease out their retirement plans.

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