100万円を貯金するために、財形貯蓄と財形給付金を知ろう

貯金で100万円貯めたいけど、なかなか貯められない方、それは貯金の仕方に問題があるかもしれないです。

お金を確実に貯める貯金方法として、財形貯蓄や財形給付金があります。
どのようなものなのか解説します。

スポンサーリンク

貯金ってどんな方法があるの?

貯金と一言で言っても、様々な方法があります。

普通預金

一般的に知られているのが、普通預金です。
お金の入金、出金が自由に行える方法です。
その為、急な出費があるような場合には即お金をおろすことができる便利な方法ですが、お金がなかなか貯まらないといったデメリットもあります。

財形貯蓄

毎月決めた金額を給料から天引きで入金するという方法です。
この為、確実に毎月決めた額だけ入金するので、着実にお金が貯まる方法です。
また、財形貯蓄を行うと財形給付金を受けることができるので、お金を貯めやすいです。

定期預金

5年、10年と決められた期間出金できない反面、利子率が良い貯金です。
定期預金は最低預金額が10万以上と決められているので、毎月入金して貯めていくという方には不向きな貯金です。

投資信託

銀行や投資会社にお金を預けて株式や国債を運用してもらい、その運用で得た利益の一部を利子として還元してもらう方法です。

どの方法が自分に合っているか、よく検討してから決めることが重要です。

財形貯蓄とはどういったものか

財形貯蓄とは、企業の福利厚生のひとつとして用意されている貯蓄制度です。

厚生労働省の勤労者財産形成促進法に基づいて導入された勤労者の財政形成を支援する為の制度になります。

勤労者である会社員や公務員は、毎月の給料をベースに生計を立てています。

その中で、貯金を行うのですが、家の購入や車の購入のように、金額が大きい物に対する貯金について支援する必要があります。

勤労者の財産形成をサポートする制度としては、この財形の貯蓄制度の他に、財形給付金制度、財形融資制度の3つがあります。

財形の貯蓄制度は、この制度を導入している企業の従業員しか対象にならないです。

これは、会社内の経営側と労働側が労使協定を結んで行われている為です。

財形貯蓄は、大きく3つの区分があります。

車の購入等が目的の一般財形貯蓄、年金の為の財形年金、さらに住宅の購入が目的の財形住宅があります。

一般財形は、税制面での優遇措置は無く、普通預金と同じ扱いなのですが、毎月、天引きされるので確実に貯金できるといったメリットがあります。

目的に合わせて、財形を選ぶ必要があります。

財形給付金とはどういったものか

財形の貯蓄制度を利用する社員に対して、会社が行う財形奨励策として、財形給付金制度が生まれました。

別名、財形基金制度とも呼ばれています。

会社が、毎年一定の金額を社員の為に拠出し、その拠出金が金融機関によって株式等で運用されます。

7年経過ごとに、その拠出金と運用益の合計を給付金として社員に支払うものが、財形給付金です。

財形給付金制度は、経営側と労働側である労使の合意に基づき、厚生労働大臣の承認を受けて実施されます。

財形貯蓄を行う社員に対して、1人につき10万円を上限に拠出され、金融機関等で運用されます。

尚、この拠出金は、損金または、必要経費として扱うことが認められているので、会社側にとってもメリットは大きいです。

社員が受ける満期基金給付金は一時所得扱いになります。

金額として50万円以下であれば非課税扱いとなるので、課税、非課税の観点からも計算することが重要になります。

財形給付金契約取扱機関としては、信託銀行、生命保険会社、損害保険会社、証券会社等多くの金融機関が対象になるので、ご自身の会社がどこと契約しているか確認しておくことをお勧めします。

貯金期間を決めることが大事

100万円という金額は、実は結構な大金です。

仮に、毎月の給料が手取りで20万円だとします。

家のローンや、光熱費、食費といった生活費を差し引くと残った金額は、4万円程になるケースもあります。

こういったケースで100万円を貯めるには、最低でも25か月、言い換えれば2年と1か月必要になります。

もし、100万円を1年で貯めようとした場合、計画の段階から破綻してることが分かります。

100万円もの大金は、通常、車の購入や大型家電の購入等大きな出費に備えて貯めるケースがほとんどです。

何年先に車を買うのか、大型家電を買い替えるのか、人生設計をしっかりと計画しておくことが大事です。

計画があいまいだと、半年後に100万円が必要になるといった問題に直面するようになります。

会社員や公務員にとって、収入はそれほど大きく変化しないので、決められた収入の中で、将来に対していかに効率的にスマートに過ごすか、しっかりと計画を立てることが人生での成功の秘訣です。

お金は限られた資源のようなものなので、大切に計画通り使うことをお勧めします。

最後に

100万円もの大金を貯めるには、しっかりと人生計画を立てて貯蓄する必要があります。
貯蓄方法としてお勧めは、財形貯蓄です。
毎月決めた額を貯金することができるので、確実に計画日までに100万円の貯金を達成することができます。

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