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Vice President Chen Chien-jen said that protesters should avoid the cold by sending representatives to Sunday’s meeting to discuss issuesBy Stacy Hsu / Staff reporterVice President Chen Chien-jen （陳建仁） yesterday unveiled details of the government’s draft pension reform plan, urging opponents to send representatives to a national affairs conference scheduled for Sunday.Speaking at an afternoon news conference at the Presidential Office, Chen said the draft was drawn up after 20 committee meetings, four regional forums and efforts to solicit opinions from all sectors of society.Chen said the draft plan aims to ensure that the nation’s various pension funds can be sustained for at least another generation, delaying estimations for bankruptcy of the Labor Insurance Fund by nine years to 2036, the public-school teachers’ pension fund by 12 years to 2043 and the Public Service Pension Fund by 14 years to 2044.“Our goal is to make sure that pension funds remain accessible generation after generation and be able to support insured people into their old age,” Chen said.Laying out several key elements of the proposed reforms, Chen said the controversy-dogged 18 percent preferential savings rate for retired public-sector employees taking monthly retirement payments would be lowered to 0 percent in three stages over six years.The saving rate is to be reduced every two years, falling to 9 percent, 6 percent and then 3 percent. It is to be 0 percent from the seventh year on.For those who take their pension as a lump sum, there are two proposed systems: Either the 9-6-3-0 process to reduce the interest rate as with monthly payments, or a separate plan of 12 percent for the first two years, 10 percent in years three and four, 8 percent in years five and six and 6 percent from year seven on.However, public servants whose monthly pension is below a specified floor — to be either NT$25,000 or NT$32,160 （US$791 or US$1,017） — are to retain the 18 percent preferential rate.Chen said that the government intends to cut the income replacement rate for public servants to “75 percent of two times a civil servant’s basic salary” and lower the rate by 1 percentage point each year until it is 60 percent of two times the basic salary.Under current pension plans, government employees receive pensions of up to 95 percent of their pre-retirement income, which is straining national coffers.To make pension funds more sustainable, the average used to determine payments is to be based on a longer timeframe. The proposal is for the average insured salary of the final 15 years of employment to be used to determine pensions, with that number to be reached by adding 12 months to the timeframe each year until the 15-year target is met.Also, the retirement age is to be increased to 65, except for professions of a special nature or those that involve dangerous activities, while the ceiling for labor insurance premiums paid by public servants, public-school teachers and private-sector workers is to be raised stepwise to 18 percent.Other highlights of the proposal include a scheme to allow employees to keep their work years when they switch jobs, including moves between the private sector and the public sector.“The money that is to be saved by lowering the income replacement rate for public servants and the cancelation of the 18 percent preferential rate will be put into the [Public Service Pension] Fund,” Chen said, adding that starting next year the government is to inject NT$20 billion into the Labor Insurance Fund annually.Minister Without Portfolio Lin Wan-i （林萬億）, who is deputy convener and executive director of the committee, said that as the nation has 13 different pension funds, the government plans two stages to reform such a complicated system.“We welcome various opinions at Sunday’s conference. They will be factored into the next stage,” Lin said.Asked to comment on a large-scale demonstration in front of the Presidential Office Building planned for Sunday by civil servants, Chen said that given falling temperatures, it would be better for opponents of the plans to send representatives to the conference, where their voices would be better heard.Additional reporting by CNA新聞來源：TAIPEI TIMES 工商時報【蔡武穆】 柬埔寨投資熱，兆基集團在金邊鑽石島自建自售的兩個建案「鑽石凱撒」及「鑽石雙星」，前者酒店式公寓230戶已接近完銷，後者鑽石雙星以A級商辦及住宅合一推案，其中商辦已銷售7成，該公司複製台灣代租代管的成功經驗，以售後回租保證出租的經營模式，受到投資客戶的信賴，是目前台灣赴柬國經營房產唯一成功的物業管理公司。 對比十年前的鑽石島，簡直兩樣情，十年前荒煙漫草，現今的鑽石島已規畫開發達8成以上，不但有大使館在這設立，市政廳、國際學校、商城、歌劇院、展覽館、高級別墅、商辦大樓等一一拔地興建，兆基業務蘇俊仲告訴記者，與其說是柬國的信義計畫區，從地理位置及經貿建設來看，這裡更像上海浦東陸家嘴金融特區，尤其是555米地標鑽石塔完工後，儼然是上海的東方明珠。 蘇俊仲說，3年前鑽石島內房價每平方米2,000美元，現在已經來到均價3,000美元，幾近漲了5成，然而，這還只是鴨子划水的階段，根據錢納裡工業化理論階段，GDP人均收入超過3,000美元以後經濟躍升會更為快速，城市化、工業化呈現爆發性成長，屆時住房更會是投資熱點；2015年柬國人均1,238美元，2016預估增至1,328美元，5－7年可望將突破3,000美元，對比台灣1961－1984年間經濟發展，從最初獎勵投資、十大建設到竹科經濟效應也是如此。 「鑽石凱撒」及「鑽石雙星」分別位於法國城的兩邊，正好在鑽石島的中段，從已完工的「鑽石凱撒」向四周望去，可看見鑽石島前中後發展，遠望可見湄公河及百色河交界，視野相當漂亮；更前端的「鑽石雙星」，以30層A級商辦與32層酒店式住宅大樓L型拼接，外邊面河，內面環抱人造沙灘，與鑽石塔及未來的雙子摩天大樓成黃金三角，是鑽石島商業的精華區，目前「鑽石凱撒」65％台灣人投資、本地人則占35％，三個月內出租率已達50％，而「鑽石雙星」的酒店式公寓去年底開售，柬國本地人也看好當地的房市，短時間內已成交60多戶。 兆基集團擁有10年以上代租代管經驗，在台北市管理超過2,000間房產，該公司表示：投資者最怕投資標的成為海外孤兒，因此早在2014年投資初期，旋即配套成立「鑫兆基（柬埔寨）物業管理公司」，並派駐台籍幹部駐點傳承台灣的成功經驗到柬埔寨，守護著投資客戶的海外資產；公司建案都有提供3年保證回租方案，讓客戶在等待房價的上漲過程中，每年都還享有房價6％～8％的租金收益，獲取海外房產雙重獲利，並透過完善的物業管理贏得客戶信任的合作關係。
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