借贴问问，

我都不懂养老保险是怎么弄的，那万一失业了呢，存的钱什么时候可以取的。

怎么没有人回答呀！！！难道大家都不买养老保险吗？？？！！！都不为自己的老年生活做打算吗？？？！！！

尽量放吧，因人而异

俺也不懂，就知道每个月扣5%，然后学校match7.5%。至于以后怎么取，还没想过

等大牛们扫盲

你问的是401K吗？一年15.5K，放满呗。

[此贴子已经被作者于2008-3-10 1:14:47编辑过]

存放多少养老保险问题，可以找懂投资的人问问，以前一个投资经纪给我上过课，讲每个月公司在养老保险，小孩大学，房子，其他保险和其他投资之间的比例，我忘记了。寒。。

Are you talking about 401K?  If it is, the advantage to put there is it is pre-tax.  But you will have to pay income tax when you withdraw it.  The idea is when you retired, you should be in a less tax brack then when you are current in.  YOu can't use it until your retirement age.  Early withdraw will have penalty.  your company should provide you the options of what kind of mutual fund or any other investment you are available to you.  The investment gain is just like any other investment, depend on the funds performence. If you are going to just save to bank for retirement, then you should use 401K as much as allows and affordable.  If you are going to invest your $ elsewhere, you can evaluate which is better for you.

BTW, your companys HR and the 401K broker should provid you details information.  And the broker should help you alocate your fund to best suit yiour financial style.