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本帖最后由 PTL 于 2013-3-12 10:45 编辑
' M. i. n( C( w7 ], ]0 Rkismet 发表于 2013-3-12 09:34 
' {" H; X8 b4 e0 E y能具体说说这个提前拿退休金的事么?我正准备55岁就自己提前退休呢。但从来不知道还有部分退休金可以拿。
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" n& i @& s% N; N8 k- r你的是PSPP吗?是的话,这里有些information。只是55岁,又没有工作35的话,拿不了全额的。http://www.pspp.ca/4 e) i( r% o" j" u, h
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What are my options if I leave the Plan before I reach age 55?7 U- O2 H F( a6 C
You have many options if you leave the plan before you are age 55, including leaving your funds with the plan for a lifetime pension to be paid once you turn 55.* b1 d! z& c0 L9 H& ^8 l" B, b
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What are my options if I leave the Plan before I reach age 55?
5 `3 y; Q# Y+ ]8 {4 V# XYou have many options if you leave the plan before you are age 55, including leaving your funds with the plan for a lifetime pension to be paid once you turn 55.
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If you are 55 or older, you may:
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receive an immediate monthly pension, as well as any* B; \4 M6 J1 V. ]0 O
excess contributions. (If you choose to receive your9 r9 @+ _; J* W
pension before you turn 65 or before your age and years1 Q: z' @/ E% V0 x4 S
of service add up to 85, your pension will be reduced.! r! Q; z: e) m. G/ ?
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Reduced pension
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; M6 X3 A0 b. d+ JYou can retire any time after you reach age 55 if you have at least G ~* ~/ ?$ h3 k8 C
two years of service (including any CPS). L/ I0 e7 |/ }
8 |2 E6 j) k" t5 zYour pension will be reduced
9 y- a* m, E, t6 d r5 x1 qby three per cent for each year you retire early. % N: b' v; |( G1 U2 Y2 r
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This reduction will+ P, W, E) |, u4 o" r# w1 P
be based on the number of years your age is short of 65, or on the
) w' ~5 _8 d7 g' p9 A' J Pnumber by which your age plus years of service is short of 85 points,1 T, Q3 Q$ s, w9 ~, G: C
whichever gives you the higher pension.4 Q! o! S# k: i# H
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Here is the users' book: http://www.pspp.ca/members/publications/PSPP_Member_Handbook.pdf
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