今こそ選択制確定拠出年金！！
今、「選択制確定拠出年金」が普及し始めています。従来の確定拠出年金のイメージとは異なり、中小企業においても比較的導入がしやすいスキームです。会社にとっても社会保険料の負担額削減や、福利厚生制度の確立といった導入メリットがあります。もちろん、経営者・従業員にとっても、社会保険料の削減効果あるいは税制等優遇を受けられる加入メリットがありますので、充実の福利厚生制度といえます。 確定拠出年金と聞くと、会社が上乗せ負担するものである、とか、運用が難しいし・・・、あるいは、60歳まで引き出すことができないといったマイナス面が捉えられがちです。 そういった不安をすべて解消するのが、「選択制確定拠出年金」です。 従来の給与を減額する代わりに、新たに減額相当額の新設手当を設けます。 その手当の中から、従業員自ら、掛金をするのか、給与と合わせて受け取るのかを選択することができます。 もちろん、掛金をしたくない場合（手取りを減らしたくない場合）は掛金をしないことを選択することができます。 つまり、もともとの人件費の総額を変えずに、従業員が将来のために積み立てることの
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