新加坡PR和公民必知:善用CPF公积金四大账户,为你的房子、医疗和退休打好基础!

什么是新加坡公积金(CPF)?

CPF,全称 Central Provident Fund,是新加坡的社会保障体系,主要为新加坡公民和永久居民(PR)提供全方位的保障支持。

它不仅仅是为退休而设的储蓄账户,还覆盖你人生中几个重要阶段的开支,包括住房、医疗保健、教育和部分保险。

你可以把 CPF 看作一个带利息的“个人专属银行户口”

  • 每年都有保底利息
  • 可投资政府批准的基金产品,争取更高回报
  • 但账户中的资金不能随意提取,只有在特定情况下才能使用,例如买房、缴纳保费或退休

 

谁需要缴纳公积金(CPF)?

  • CPF 的缴纳对象包括所有新加坡公民和永久居民(PR),无论是全职、兼职还是临时雇员,只要有收入,就必须参与 CPF 的缴纳。
  • 至于自雇人士,他们只强制缴交 Medisave(医疗储蓄账户),用于未来的医疗与保险开支。其余账户(如普通账户和特别账户)则可选择自愿缴纳,以加强退休和住房方面的保障。

 

那 CPF 里到底有哪些账户?

每个账户的功能和利息都不同,分别支援你在不同人生阶段的需求。

  1. Ordinary Account(普通账户)
    • 年利息约 2.5%
    • 可用于购买住房、偿还房贷、支付房贷保险及部分投资(2万以上的存款)。
  2. Medisave Account(医疗账户)
    • 年利息约 4%
    • 用于支付医疗费用,以及为自己和家人缴付医疗保险(如Integrated Shield Plan)的保费。
  3. Special Account(特别账户)
  4. Retirement Account(退休账户)
    • 年利息约 4%
    • 在55岁设立,金额来自SA和OA的存款。
    • 在65岁时,自动启动 CPF Life 年金计划,每月发放生活费,终身领取。个人可以选择延迟到70岁领取CPF Life 退休金。

 

总结

CPF 是一套系统性强、规划明确的储蓄机制,帮助你在人生的关键阶段——购房、医疗与退休——都能稳健应对。

如何聪明运用 CPF,加上你手上的现金存款和人生计划,才能让财务更有效率?

如果你想更清楚自己的选择,也欢迎找我聊聊,帮你理清方向,规划下一步。

✅ WhatsApp: +65 8680 2340 

✅ 微信: lidwinabq

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:

Lidwina Teo 维娜

With 5+ years in client service, I’m passionate about delivering personalized financial planning that puts your best interests first. Backed by 150+ business partners, I tailor solutions to help you reach your financial goals.

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

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