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2025年新加坡CPF最新调整，你需要知道的5大变化！

🔹 2025年CPF调整重点

2025年即将到来，新加坡政府对中央公积金（CPF）制度进行了一系列调整，以提高退休存款，让国人更好地规划养老生活。本文将解读5大关键变化，并提供实用建议，帮助你最大化退休储蓄！

 

1️⃣ CPF年长员工的缴交率将提高

2025年1月1日起，55岁以上的年长员工CPF缴交率将增加1.5%，其中：

雇主缴交率增加0.5%

雇员缴交率增加1%

🔹 具体变化如下：（单位：%）

2025年新加坡CPF最新调整，你需要知道的5大变化！ — Engage

📌 影响：

如果你是55岁以上的员工，CPF储蓄将增长更快，为退休提供更好的保障。

如果你是雇主，需支付更高的CPF，但这有助于年长员工的长期福利。

 

2️⃣ CPF月薪缴交上限提高至$7,400

2024年上限：$6,800

2025年上限：$7,400

2026年目标上限：$8,000

2025年新加坡CPF最新调整，你需要知道的5大变化！ — Engage

📌 影响：

收入在$7,400以上的员工，CPF缴交金额将增加。

短期可支配收入减少，但长期来看，退休储蓄将大幅增加。

 

3️⃣ 55岁以上的特别账户（SA）将被关闭

2025年下半年，所有55岁及以上的成员，SA账户将被关闭，并按照以下方式处理：

SA存款将优先转入RA（退休账户），最高可达FRS（全额退休存款）。

可提取的SA余额将转入OA（普通账户），享受短期利率。

SA投资（CPFIS-SA）可继续持有，但变现后的资金会先进入RA，再流入OA。

📌 影响：

退休储蓄更集中，享受更高长期利率。

如果有SA投资，需关注未来资金流向，以优化理财规划。

 

4️⃣ 增强版退休存款（ERS）提高至4倍BRS

2025年1月1日起，增强版退休存款（ERS）将提高至$426,000（约4倍BRS）。

这意味着55岁及以上的成员，可以存入更高额度的退休金，以获得更高的CPF LIFE终身养老金。

2025年新加坡CPF最新调整，你需要知道的5大变化！ — Engage

📌 举例：

2025年55岁男性，若存满ERS：

65岁起，CPF LIFE每月发放$3,300（相比目前$2,500）。

适合希望最大化CPF退休金的投资者。

 

5️⃣ Matched Retirement Savings Scheme (MRSS) 更新

2025年起，MRSS政府配对补助将调整：

政府1:1匹配上限提高至$2,000/年

取消年龄上限，扩大受益人群

2025年新加坡CPF最新调整，你需要知道的5大变化！ — Engage

📌 影响：

符合条件的低退休存款者，可通过MRSS获得额外补贴。

但受MRSS匹配补助的存款不享受税务减免。

 

🎯 你的下一步行动

1. 如果你是55岁以上的员工：

关注SA账户关闭的影响，决定如何管理资金。

考虑最大化ERS存款，以获取更高退休金。

2. 如果你是高收入人士：

关注CPF缴交上限提升对现金流的影响。

考虑优化税务策略，平衡CPF储蓄和投资。

3. 如果你计划提前退休：

了解MRSS计划，帮助自己或家人增加退休存款。

关注CPF LIFE发放金额，确保退休生活稳定。

 

💡结语

2025年的CPF调整是为了帮助国人更好地规划养老储蓄。这些改革有助于提高退休金，但也会影响短期现金流。提前做好财务规划，让你的退休更稳健！

你觉得哪项CPF调整最值得关注？欢迎联系我！

2025年新加坡CPF最新调整，你需要知道的5大变化！ — Engage

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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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