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CPF LIFE 问答

CPF（中央公积金）是新加坡社会保障体系的关键支柱。其中一个重要的组成部分是CPF LIFE（公积金终身入息计划）。CPF LIFE作为一项全民长寿保险年金计划，与其他以财富增值为主要目的的投资计划不同，它旨在为新加坡公民和永久居民，提供长达终身的每月退休收入，用于应对“有可能因为长寿而面临储蓄不足”的财务风险。

今天这篇文章，我用问答形式，跟大家分享三个来自我客户的真实CPF咨询。这三个问题，都挺有代表性的，也很实用，希望看完文章的你，同样有所收获。

第一问：如果我在55岁的时候，退休账户(RA)里的钱，已经达到当年超额退休存款金额(ERS)，那么之后退休账户(RA)所产生的利息，会何去何从呢？

回答：首先，让我们按照年龄时间线，来了解一下公积金账户的变化。

当年满55 岁时

退休账户(RA)会自动设立。无论你选择基本退休存款 (BRS)、全额退休存款 (FRS)，还是超额退休存款 (ERS)，公积金普通账户 (OA) 和特别账户 (SA) 中的资金都会自动转移到退休账户(RA)中。那么超出所需退休存款的那部分资金，你可以选择提取，或者继续保留在你的公积金账户中。这里需要提醒的是，从 2025 年初开始，当年满 55 岁时，特别账户 (SA) 将被自动关闭，原先账户内的金额，在扣除转入退休账户(RA)的金额后，如果还有剩余的资金，将自动转入普通账户 (OA)账户。

当55 岁至 65 岁期间

退休账户(RA)中的资金将会获得利息并增值。无论你之前选择的是基本退休存款 (BRS)、全额退休存款 (FRS)，还是超额退休存款 (ERS)，退休账户(RA)所产生的利息，都将继续存入你的退休账户(RA)。

每年，超额退休存款 (ERS) 的金额，都会根据逐年增加的基本退休存款（BRS）金额而变动。如果你在 55 岁之后继续工作并缴纳公积金，你可以选择继续向退休账户(RA)存钱，以满足当年新的超额退休存款 (ERS)。退休账户(RA)中允许存放的最高金额，是当年的超额退休存款 (ERS)金额，但是这个金额不包括所产生的利息。因此，由于退休账户(RA)中产生的利息，可能高于超额退休存款 (ERS)的年度增长金额，你有可能以高于当前超额退休存款 (ERS)的金额，加入终身入息计划 (CPF LIFE)。

当65岁至70岁期间

在退休入息计划开始之后，每年退休账户(RA)获得的利息分配，取决于你选择的退休入息计划类型 – 标准计划(Standard Plan)，基本计划（Basic Plan）或者递增计划(Escalating Plan)。如果你选择的标准计划(Standard Plan)或者是递增计划(Escalating Plan)，每年的账户利息将汇总到CPF LIFE终身入息计划的公共基金中。

第二问：我在 65 岁时，是否可以从CPF 账户中提取资金，提取金额有何限制？

回答：是的，如果你的退休账户 (RA) 余额尚未达到全额退休存款 (FRS) 的要求，你可以从CPF OA账户中提取最高限额为退休账户 (RA)金额的20%（需要扣除你在 55 岁之后的5,000 元额度）。

在你开始领取每月退休收入之前，你必须告诉公积金局你想要选择的终身入息计划 (CPF LIFE) 类型。之后，你当前退休账户 (RA) 中的资金将用于缴纳，你的终身入息计划 (CPF LIFE) 的保费，而你的每月退休收入是由你的退休账户 (RA) 的总额决定。终身入息计划 (CPF LIFE) 的每月退休收入没有限额，但加入终身入息计划 (CPF LIFE) 的保费金额，是有最高限额的，也就是超额退休存款 (ERS)金额。

第三问：假设两位同龄人都在 65 岁时，选择了相同的的终身入息计划 (CPF LIFE)。X 先生在55 岁时的退休账户 (RA) 中的金额，已达到超额退休存款 (ERS)额度，且十年间产生的利息，也一直都保留在退休账户 (RA) 账户中。而 Y 先生直到 65 岁时才达到超额退休存款 (ERS)金额，因此他的退休账户 (RA) 账户金额明显少于 X 先生。请问，他们每月领取的退休收入是否一样？

回答：X 先生将获得更高的每月退休收入。因为他加入终身入息计划 (CPF Life) 时的退休账户 (RA) 余额更高。

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 unbiased 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.

Published By:

丁翊洵 Isabelle Ding Yixun

新加坡专业理财顾问 | 职业女性 | 两个孩子的妈妈

来自中国苏州，扎根新加坡十多年。

曾在保险公司奋斗十年，从无数次陌生拜访中成长为客户信赖的理财伙伴。

2023年起，成为新加坡最大的独立理财机构——鑫盟理财的专业理财顾问。

持有注册财务规划师(Certified Financial Planner)及新加坡银行与金融协会高级认证(IBF Advanced)。

我相信，理财不单单只是卖产品，更是用专业为每一个家庭打造属于自己的人生底气。

“理财这条路，我愿陪你一起慢慢走。” ❤️

Financial Advisory Manager | Career Woman | Mother of Two

Originally from Suzhou, China, now based in Singapore for over a decade. I spent 10 years in the insurance industry, growing from cold calls and rejections to becoming a trusted advisor to my clients. Since 2023, I have been serving as a Financial Advisory Manager with Financial Alliance. I am a Certified Financial Planner (CFP®) and hold the IBF Advanced certification from the Institute of Banking & Finance Singapore. I believe financial planning isn’t about selling products — it’s about using expertise to empower families and create peace of mind. No goal is too big or small — what matters is starting the journey and enjoying every step of the way.

“Let’s build your financial future — step by step, with purpose and care.” ❤️

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策