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  • 枫下家园 / 钱财税务 / PL：我算过： -dulululu(dulululu); 2021-12-9 {321} (#14171386@0)

    40岁每年保费5万，20Pay：

    第一年相当于5 year average CPP YMPE 80%

    CPP YMPE 每年涨，第二年你就付了78。5%以此类推，

    20年共付 CPP YMPE 1400%

    如果100岁死亡 = CPP YMPE 2900%就是按实际通胀一倍免税，收益尚可。

    如果早死收益率会更高。

    名义收益4%，6－7%是不可能的。

    • average CPP YMPE average increase is 2.66% now -dulululu(dulululu); 2021-12-9 (#14171395@0)
    • 没看懂，保额是多少？跟CPP YMPE什么关系？ -vicky2005(孩子她爹); 2021-12-9 (#14171412@0)
      • 200W -dulululu(dulululu); 2021-12-9 {93} (#14171418@0)

        CPP YMPE 是最能预测实际购买力.
        面值200万，按保险公司current rate－1%最后100岁可能有900万。
      • I do not understand her either -jameschen6(梦想农庄); 2021-12-9 {49} (#14172050@0)
        50,000 payment each year for insurance. Holy moly
        • you are expert in finance you should understand -dulululu(dulululu); 2021-12-9 {433} (#14172883@0)

          For exmaple:

          2020 YMPE 58700 your 50000 is 85%

          2021 YMPE 61600 your 50000 is 81%

          you total pay is 20 times so you add (85%+81% +...) is 1400%

          when you 100 years old at that year 2080 YMPE is 250000

          your insurnace give you 9,750,000 that is 3900% of YMPE for that year.

          Your input is 1400% YMPE your output is 3900% YMPE tax free.

          during 60 years your money buy power double. tax free,

        • old farmmer I also claculated CPP. -dulululu(dulululu); 2021-12-9 {446} (#14172903@0)

          during my years I will contribute of total 470% of YMPE using the same method above.

          (this is empolyee and employer total)

          I am expecting get 15% of YMPE each year when I retire 65.

          So I need live to 92 years old to break even (92-65)*15% =475%

          and dont forget the tax...

          So I think life insurance is not too bad.

          fpr 40 years old your 20 pay will give you approximate double buy power and tax free.

          • 你这是啥头脑呀，投资回报和buy power跟YMPE一点关系都没有，政府这三年不但增加 pensionable earning，还在增加rate。 -jameschen6(梦想农庄); 2021-12-9 {387} (#14173139@0)

            你无非就是借助这个数字，来表达 inflation，是吧，每年2-3%，大家都知道的额事，还大老远用YMPE？5万/年，20年，面值就100w，就为了60年后得295w，60年呀！一个人出生，然后都要退休了，60年不是各短时间，才295万？？？？？？

            年复利 1%的投资回报，100岁时就是350万，当然我没计算税呢，我的1%够低得了吧，努把力，弄个2%，其中得1%交税行吗？

            Holy moly。1%投资回报率，GIC就行，都谈不上投资

            • 我还以为他是高手呢，弄一堆英文缩写出来唬人，其实牛人谁还会在乎什么保险能挣多少钱，几百万肉联平均数 -lifewillbebetter(XYY); 2021-12-9 (#14173605@0)
              • 正因为几百万平均数，买个200万的保险还能领OAS否则连OAS都拿不到。 -dulululu(dulululu); 2021-12-9 (#14173710@0)
            • 9.75 not 2.95 -dulululu(dulululu); 2021-12-9 {154} (#14173636@0)
              I only calculate YMPE not caculate contribution rate BTW it is 20 pay so you cannot calculate 1M invested 60 years, max you only can claulate 1M 48 years.
              • I just say face value. Actually I calculated FV for each of $50,000 during the 20 years and Future Future value of 40 years of Future value. You do not have sense of present Value and Future Value by the way -jameschen6(梦想农庄); 2021-12-9 (#14173669@0)
                • I you only calculate 2M then no one will invest. -dulululu(dulululu); 2021-12-9 {202} (#14173689@0)

                  BTW, I dont need present or future value, all I know is I roughly pay 14 years of average canaidan income and get roughly 29 years of average canadian yearly income when I withdraw and it is tax free.
            • 1.01^60=1.8167 -sxffff(lookingforjob); 2021-12-9 (#14174008@0)
        • 多聊无益 vacationgirl(重新振作） 可以把estimate－1%的数字贴出来我算给你看。 -dulululu(dulululu); 2021-12-9 (#14173658@0)

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