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如何靠CPF提升退休金到$4,600？

根据《海峡时报》的报道，一名 71 岁的新加坡女性每月从 CPF领取约 $4,600 的退休金，相当于每年约 $55,000  ($4,600 x 12个月) 的免税收入，而且全部来自 CPF 的发放。因其退休账户（RA）拥有非常高的存款余额.

按照目前的标准来看，她的派息金额相当罕见。即使一名 55 岁的会员 在 2026 年 将存款补足至 CPF LIFE 的最高档次 $440,800，到了 65 岁 时预计每月领取的金额也只有大约 $3,400。

 

如何把每月 CPF 收入提升到 $4,600？

1. 55岁时先把RA补满到上限，之后随着 RA 上限每年提高，她持续每年往 CPF 里追加存款。

举个例子：如果你今年 55 岁，把 RA 补满到 $440,800 （2026年 ERS），初步每月大约只能领 $3,400。但如果你每年继续额外补充，每年的退休金大约增加约 $100 （比如 2026 年大约 $3,440，2027 年大约 $3,550）。

 

2. 65 岁不开始领取，选择延迟到 70 岁才领取，让资金继续赚利息。（每延一年退休金最多增加约7%。她这 5 年的增长，放大了未来的每月收入。）

因此，当她 70 岁开始领取时，每年从 CPF LIFE 获得的退休金大约 $55,000，也就是 每月约 $4,600。这个数额已经比很多同龄人的退休金高出许多。

 

靠 CPF 创造近 $7,000 被动收入

另外 她在 63 岁退休后仍然继续top up CPF 账户，因此她的OA和MA account 合计超过 $1M.以保守计算，其中所衍生的利息，又让她每年额外获得约$30,000的收入，即每月大约$2500

把这两部分加起来：

  • CPF LIFE 退休金：约 $4,600 / 月
  • CPF 利息收入：约 $2,500 / 月

总共 接近 $7,000 的被动收入，一年大约 $85,000。这样的收入水平，足以支撑相当舒适的退休生活。

 

总之，CPF 是一套安全、稳定的退休保障工具，能够为你的晚年提供可预测的收入。但每个人的财务状况和退休目标不同，需要根据自身情况权衡选择。关键是找到既稳妥又符合个人需求的退休方案。如果你想了解如何制定全面的退休规划，欢迎联系我，我可以帮你根据你的情况定制给您。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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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.

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