新加坡公积金 | 关于新加坡公积金,你知多少?

你说拿到PR或者换了身份之后,最兴奋的是什么?那就是拥有一个新加坡CPF账户,一个集买房、医疗、退休、保险一身的账户,甚至还可以拿来投资。

CPF,也就是新加坡公积金账户,是帮助新加坡公民和PR做好退休储蓄的必备武器。名字虽然听起来很像中国的住房公积金账户,但其实是社保账户和住房公积金账户的一个综合体。

那么问题来了。

1.CPF只能拿来养老用吗?

不是哦。在55岁之前,公积金分为3个账户,每个月雇主和雇员都要缴纳公积金。

分别为:

  • OA,普通账户,主要是为了住房、保险和投资
  • SA,特别账户,主要是为了退休相关的
  • MA,医疗储蓄账户,住院开支、医疗保险

等到55岁之后,会自动生成第四个账户:退休账户(RA)。此户口的资金将由特别账户(SA)和/或普通账户(OA)中的存款合并计算一起,金额以全额退休金(FRS)数额为上限。退休金将从支付资格年龄开始的每月支付,对于1954年或之后出生的成员,该年龄为65岁(代表咱们要65岁退休><)。

 

2.谁需要缴纳公积金?

所有新加坡公民和新加坡永久每月都要缴纳公积金。全职、兼职或临时受雇的,都需要缴纳公积金。

若是自雇人士,只需缴交医疗储蓄(Medisave),其他的账户可以自愿缴纳。自愿缴交公积金将根据公积金分配率按供款比率分配并计入个人普通、特别和医疗储蓄账户里面。

 

3.存在公积金账户里面的钱有利息吗?

有!必须有哒。

普通账户OA,年利率是2.5%。

而特别账户SA和医疗储蓄账户MA,年利率是4%,是不是很香?

 

4.存在公积金账户的钱能拿去投资吗?

当然可以哦,可以用公积金存款去投资。用CPF做投资,只跟两个账户有关系: 普通账户(OA)和特殊账户 (SA)。考虑公积金投资之前,一定要记得公积金本身的利息(OA 2.5%,SA 4%)哦,投资回报率一定要高过 2.5% 和 4%才有意义,否则真的还不如不动。

另外需要注意的是,用OA账户投资,在OA账户里面必须要保留2万新币,2万新币以上的部分可用来投资;而在SA账户中,这个限制是4万新币,4万以上可以用来投资。

OA账户可以投资的投资种类比较多,有股票,黄金和高风险的挂牌基金和主动管理型基金,不同的资产配置的比例也不尽相同。

SA账户限制比较多,可以选择投资的种类比较少,毕竟这个是关乎大家养老的钱嘛。

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。

 

我们做退休计划的时候,可以准备2个计划,一个是稳健型的,一个是积极型的。我们要把主要的部分,放在一个比较稳健的组合中,所以完全没有必要用公积金的钱去做投资,拿住公积金钱享受稳稳收益就可以啦。

当然如果公积金的钱很多了,并且占了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。

当然如果觉得公积金账户钱不够养老,可以自己投一个基金作为补充养老,至于可以选择什么计划,欢迎来PM我哦,专门为大家解决问题,找到最适合的方案!

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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