从新加坡PR到公民,如何善用CPF Life决定你未来的退休轨迹!你准备好了吗?

获得新加坡PR或公民后,你想过未来要在哪里退休吗?
对PR来说,也许你的心还牵挂着家乡,打算老了回去生活。
但一旦入籍成为新加坡公民,十之八九你会把新加坡列为首选的退休地。

对于我自己而言,我现在是PR,我老公入籍成为公民了,我们未来会在新加坡退休。

既然选择在这里安享晚年,那你必须了解 CPF Life——它不是投资,而是一种终身年金保险。善用它,搭配其他理财工具,才能更全面地规划你的退休生活。

55岁,你必须知道的事

  • SA + OA → RA
    当你55岁时,Special Account(SA)和 Ordinary Account(OA)的储蓄会转入 Retirement Account(RA),直到存满 Full Retirement Sum(FRS)2025年的FRS是 $213,000,并且每年会增长约3.5%,以抵抗通胀。

  • SA账户会关闭,RA暂时不再接收额外资金,多余的钱会回到OA。

  • 这时的OA相当于一个 高息活期账户(2.5%的利率高于银行的0.05% 活期存款账户),可随时取用。

  • RA中的资金会“锁”10年,年利率约4%。

  • 如果SA的存款已经足够存满到 FRS,你的OA存款就会保留在OA里。

65岁,决定你的养老金发放方式

到65岁时,CPF Board会通知你选择CPF Life的三种计划之一:

  1. Basic Plan

  2. Standard Plan

  3. Escalating Plan

假设你55岁时已达到2025年的FRS($213,000),到65岁时,这笔钱会增长到 约$319,000
默认情况下,CPF会用这笔钱为你购买 Standard Plan,并从65岁开始,每月发放约 $1,730活多久领多久

本金与利息的关系

  • 从65岁开始的前15年(至你80岁左右),每月的养老金主要来自你的 本金

  • 虽然这期间本金也在赚利息,但这些利息会放入一个“公共资金池”中复利增长。

  • 从第16年开始(约81岁),你领到的钱才会来自 这个公共资金池的利息,也就是你和其他人共同累积的收益。

为什么要注意“先花本金”的影响?

  • 如果你在65–80岁之间去世,留给家人的主要是剩余本金,没有利息。

  • 如果你80岁后去世,可留给家人的金额就很有限了。

总结

CPF Life能保障你“活多久领多久”,但如果想兼顾退休生活质量和财富传承,就需要搭配其他理财工具。

这样才能既安心养老,又为家人留下更多保障。

如果你想了解如何搭配 CPF Life 和其他理财工具来做好退休规划,欢迎咨询!

我会根据你的个人情况,帮你做一份适合你的退休规划。

✅ 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!

拥有5年以上客户服务经验,我致力于提供以客户利益为先的个性化理财规划。依托150多位业务伙伴,我为您量身定制方案,助您实现财务目标。

欢迎咨询,随时为您准备方案!

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