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新加坡CPF月工资上限飙升至8,000新元，对我们有什么影响？

新加坡2023年度预算中有许多宣告，明确了新一年新加坡政府的政策重点。其中一个更为重大的变化是公积金（CPF）月工资上限的调整，从2023年9月1日开始，将逐步从6000新元提高到8000新元。副总理黄循财表示，这必须这样做是为了避免“在未来的时候为我们自己和社会制造更多问题”。

下面是对这一变化的深入分析，以及它将如何影响CPF会员的退休收入

CPF月（普通工资）和年（额外工资）工资上限是什么

我们通常所说的CPF月工资上限在技术上被称为CPF普通工资（Ordinary Wage）上限。这限制了一个人的月工资中有多少会参与CPF缴款。自2016年以来，CPF 月工资上限一直设定为6000新元。这意味着强制性的CPF缴款（雇主和雇员都需要缴纳）只需支付一个人月工资的前6000新元。

除了CPF月工资上限外，还有CPF年工资上限，它限制了整个年度需支付的CPF缴款总额。这被称为CPF额外工资（Additional Wage）上限。之所以存在年度AW上限，是为了控制CPF缴款支付在可变工资（如奖金）。

CPF AW上限目前为102,000新元。这个金额是月工资上限的17倍，这意味着在一年中等于五个月工资的奖金仍会参与CPF缴款。在2023年度预算中，这个年度上限保持不变。

CPF月缴纳上限的提高会如何影响我们的收入？

这一变化将影响那些每月收入超过6000新元，但不超过8000新元的“幸运”人士。

一方面，他们将看到实际收入的减少，因为他们需要在6000新元至8000新元之间的部分工资上进行CPF缴款，依据当前的年龄分级缴费率。

另一方面，这些工作者将看到总体工资的增加，因为他们6000新元至8000新元之间的工资现在需要他们的雇主进行相匹配的CPF缴款。

CPF月工资上限何时调整

政府宣布，工资上限的提高将分阶段逐年实施，以便雇主和雇员有时间适应这些变化。

以下是月工资上限将调整的四个关键日期。

  • 2023年9月1日：6300新元（+300）
  • 2024年1月1日：6800新元（+500）
  • 2025年1月1日：7400新元（+600）
  • 2026年1月1日：8000新元（+600）

CPF月工资上限提高是一项政策调整

CPF工资上限确实定期进行审查，以跟上工资增长的步伐，上一轮审查发生在2016年，当时月工资上限从5000新元提高到6000新元。

尽管财政部长黄循财将这个月工资上限吹捧为“帮助中等收入的新加坡人为退休储蓄更多的一种方式”，但年工资上限（102,000新元)没有提高的事实却表明了另一种情况。

这是因为这一举措确保了两个年薪相似的工人，无论他们是否有更高的月薪基数，或者是否有更高的年度奖金，都将做出类似的总CPF缴款。

好了，今天就和大家分享到这里，如果您对CPF投资有兴趣，欢迎随时联系我： Wechat: NU24102. WA： 006596879885

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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非常荣幸，您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生，在新加坡最大公立医院ICU工作7年后，转行理财行业。入行之后我不断的去提升自己，结合自己的医疗背景，为客户转移潜在风险，精准配置。并且帮助客户做财务增值规划，让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户，不论您是刚毕业的年轻人，还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士，为您货比三家，优中选优，在超过150家金融合作伙伴的产品中，配置最适合您的理财规划方案。

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