关于新加坡公积金,你知道多少?退休金每月有多少钱?

每个人都要为自己的退休生活负责,在哪个国家都是如此。

在新加坡有公积金制度,它是集合买房、教育、医疗和退休为一体的账户,是一个非常靠谱的个人理财工具,退休养老要依靠它作为补充。

Money bag showing the usages of the four CPF accounts.

公积金的优势:

  • 无风险的高利息

新加坡的公积金制度是独一无二的,因为它是无风险,而且是高利息。公积金的利息在2.5%- 6%之间。

本质上来说,这就是政府免费为国民理财,主要用来投资在债券。

理财能取得高回报,本就不是简单的事情。

任何投资都要付出成本,但是你我却没有付出什么成本,也没付出精力,只是简单的将钱放在公积金账户就能得到不错的利益。所以才说新加坡的公积金制度是独一无二的,如果我们没有好好利用,那就非常可惜了。

CPF Interest Rates

比较一下市场上商业保险的储蓄险,10年期的收益其实还没有公积金高,而且那还不是保证能得到的收益。

 

  • 多种退休方案选择

每个人的退休目标不同,家庭情况也不一样,CPF LIFE 公积金终身年金计划也有不同的选择。

1. 标准计划 Standard Plan.

领取终身不变的养老入息金额。

2. 递增计划Escalating Plan

刚开始每月领的钱少,之后每年的金额递增,目前是按照每年2%的递增幅度。如果你担心通货膨胀,东西越来越贵,并且也不介意一开始每月先少拿点,那样这个计划就比较适合你。

3. 基本计划 Basic Plan

开始时每月领的钱就比较少,接下来的入息也逐年递减。这个计划适合本身在公积金里面的钱就不多,或者是有其它方面的资源养老的人士。

举个例子:

女性,1960年出生,RA账户有10万。选择标准退休计划的话,每月的退休金是580.

关于新加坡公积金,你知道多少?退休金每月有多少钱? — Engage

 

  • 公积金可继承

如果离世,继承人是可以领取CPF LIFE 账户里面剩余的价值,以及在公积金其他所有账户里面的余额。我们完全不用担心因为离世,公积金存款白交了的情况发生,因为公积金都是独立的账户,你的钱永远是你和你家人的。

每年年底,公积金的利息就会转入到你的公积金账户。所以将来能继承的钱,就包括了自己缴交的公积金和雇主交的公积金部分,再加上这些年累积的复利。

  • 公积金可用来投资

公积金的利息虽然高,但对于一些有投资经验的人,想取得更高收益的话,可以用公积金存款去投资。

投资标的是有限制的,普通账户和特殊账户可投资的标的也是不同的;可以投资在基金,但是也必须是公积金局所认可的基金。

不过在这里也要提醒大家,目前公积金里面的利息足够高了,作为一个稳健保守的投资来说,能拿到这样的收益已经相当不错了。我们家庭可投资的资产,本来就是要把主要的部分,放在一个比较稳健的基金组合中,所以完全没有必要用公积金的钱去做投资。除非,你的公积金资产储备了已经相当多了,并且占了你可投资资产中相当大的比例,这时候可以拿一小部分的公积金,去做一个长期的,预期收益比较高的基金。

 

在公积金终身入息计划下,每个月有多少钱?

选择了公积金终身入息计划的方案后, 你每个月能获得多少入息,就要看你在加入计划时,退休户头(Retirement Account)里的存款额。放入公积金终身入息计划的存款越多,每月的入息就越高。

你可以通过填补公积金退休户头,来增加你的每月入息,最高填补额是以超额存款(Enhanced Retirement Sum)为顶限。你也能延迟至70岁才开始领取入息。每延迟领取一年,你的入息就会增加高达7%。

不管寿命有多长,你都至少可以拿回你投入公积金终身入息计划的款项。

 

退休规划,事到临头的时候肯定是来不及的。一定要提早规划,越早就越容易。

#新加坡公积金 #新加坡CPF #新加坡永久居民 #新加坡公民

 

你的宝库管家

Jolysse邬宇思

微信:Yusi_Wo / WhatsApp:90088276

新加坡全牌照理财顾问

Representing Financial Alliance Pte Ltd

Singapore Largest Independent Financial Adviser

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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JolysseWu 邬宇思

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您好。我是宇思,您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问,金融学&管理学双学士,先后服务过近千个私募客户,个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代,为您用中立、专业、挑剔的眼光去选择最合适您的理财方案!

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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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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