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3个CPF策略帮你减少利息、增加现金

在当前低利率的环境下，很多人都会面对同一个问题： 钱应该放哪里？如何让退休更有保障？尤其是40到55岁、已经拥有房产的人，常常会思考：

  • 定期存款利率低
  • 国库券、新加坡储蓄债券回报有限
  • 投资又有风险

那到底还能怎么做？其实，很多人忽略了一个很重要的工具—CPF（公积金）。可以帮助你提高退休储蓄。这里介绍三个简单实用的策略。

 

1. 用现金代替CPF支付住房贷款

一般人都会用CPF来还房贷，但其实你可以反过来操作——用现金来还房贷，把CPF留着继续增长。原因很简单，CPF普通账户每年大约有2.5%的利息，如果你拿CPF去还房贷，就等于放弃这笔稳定的复利回报；而现金放在FD 最高也只有1点多%，通常利息更低。这样一来，用现金还房贷可以让CPF持续累积复利，长期下来你的退休金会更多。特别适合那些没有更好投资选择、希望稳健增长资产的人。

举个例子：如果你在CPF普通账户有$10万，让它按每年2.5%增长，20年后大约会变成$16.4万。也就是说，你什么都不用做，就多了$6万。

 

2. 把OA的钱转去SA

CPF里普通账户（OA）的利率约为2.5%，特别账户（SA）的利率约为4%。如果将多余的OA资金转入SA，就可以享受更高的利息收益。💡需要注意的是，转入SA的资金不能再转回OA。因此，必须确保这笔钱不会被用在房贷、教育支出等。适合房产已经稳定、希望通过CPF增加退休储蓄的人群。。

举个例子： 如果你有$5万放在OA，20年后大约会变成$8.2万；同样的$5万元放到SA，20年后则可增值到约$11万元，多出了约$2.8万元。

 

3. 自愿偿还CPF房款

也就是说，把你之前从CPF普通账户（OA）里用过的钱全都还回去，这样就不再欠CPF。

例如，你用OA里的$8万支付了房贷，无论是首付还是每月按揭，都涉及两种利息：组屋贷款利率约2.6%，以及OA账户本身的2.5%利息。通过自愿还房贷，你可以用储蓄或bonus将这笔钱退回CPF OA，并按每年2.5%的利率继续累积复利。20年后，这笔$8万大约可以增长到$13万。

在卖房时，你必须先还清这些利息才能领取剩余现金。相比于继续用CPF资金承担2.5%的应计利息，现在还回去不仅能让资金继续增值，还能降低未来负担，是一种稳健又划算的做法。

 

如果你不确定哪种方法最适合自己，可以联系我，我帮你Review当前状况，找到最适合你的CPF策略！想了解更多可看以下Youtube。

微信号：a19842182457 或 WhatsApp：+65 9465 3813

 

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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的優質理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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