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退休金不够？3 招让CPF帮你赚

公积金作为一种长期储蓄工具，和一般银行存款一样能够获得利息回报。不同之处在于，公积金的利率更为稳定，相较于市场上的投资产品，几乎不存在风险。先说普通户头（OA），这个户头一辈子用到的机会很多（储蓄、投资、购屋、教育和保险），目前最低也有 2.5%。至于特别户头（SA）、退休户头（RA），还有保健储蓄户头（MA），因为钱放进去后流动性比较低，比较像长期定存，所以利率自然也更高。现在的保底利率是 4%。

公积金局把这个公积金的钱拿去买这个新加坡政府债券。 那我们把这笔钱“借”给了政府之后，政府就把这笔钱拿去他们的这个新加坡政府投资公司。 那这个新加坡政府投资公司就会把这笔钱投资在股票市场也好，债券市场也好，让他们去承受这个波动。 

增加公积金收入的3个妙招

  • 转移法

把暂时用不到的钱，尽早转去SA户头。SA户头的保底利率，比OA户头高 1.5%。钱一旦转进SA或RA，不能再拿回OA，也不能用来买房或付学费。所以转之前，先留够OA户头的钱。

55 岁以下的公积金会员，就可以考虑把钱从OA户头转进SA户头，让它拿更高的利息，长期复利累积也更快。如果你已经 55 岁或以上，则可以把钱转入RA户头。

例子：如果把 1 万元 从OA户头转到SA户头。 30 年后多出来的利息，就接近 $11500 (以OA = 2.5%， SA = 4%来计算)

 

  • Top up CPF

公积金局推出多种计划，鼓励会员用现金补充公积金，增加储蓄、强化退休保障。有些计划还享有减税或政府一对一配对，让利息更稳定。

新加坡公民和永久居民可以用现金补充自己或家人的公积金。用现金补公积金还是可以减税。

  • 给自己填补：最高 $8,000减税

  • 给家人填补：最高 $8,000减税

 两者加起来，每年最多可减 16,000 元。

 

  • 投资法

可以通过公积金投资计划，把OA户头或SA户头的存款拿去投资，比如单位信托基金、投资连结保险、新加坡政府债券、国库券等。不过，每种投资都有自己的特点和风险，在用公积金钱投资之前，一定要先了解清楚。

 

如果你想了解一些小技巧，比如 怎么规划额外缴款（top up），或者 如何更快提升退休账户余额，可以通过 WhatsApp 联系我. 

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.

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