公积金提名全网最全解析

公积金提名允许您提名受益人在您过世后继承您的公积金储蓄。值得注意的是,遗嘱不能包括您的公积金储蓄分配,因为公积金储蓄不视为您遗产的部分。

公积金提名包括:

  • 普通、特殊、医疗和退休账户的公积金储蓄;
  • 任何未使用的公积金终身健保;
  • 您持有的任何打折的新加坡电信股票。

公积金提名不包括:

  • 任何使用公积金购买的房产;
  • 由保险公司管理的家属保障计划的支出;
  • 公积金普通户口投资计划的现金和投资;和
  • 公积金特殊户口投资计划的所有投资。

为什么需要申请公积金提名?

公积金提名让您能够根据您的意愿提名继承人继承您的公积金储蓄。如果没有公积金提名,您的储蓄(除了打折的新加坡电信股份)将由信托局根据《无遗嘱继承法》或继承证(仅适用于穆斯林)分配给您的家庭成员。

信托局为您的储蓄进行管理和分配收取费用。费用从15新元起(含消费税),并将从公积金储蓄中扣除。

费用计算方法如下:

公积金提名全网最全解析 — Engage

谁有资格申请公积金提名?

所有十六岁或以上、心智健全的公积金会员均可申请。即使破产人士也有资格申请公积金提名。破产人的公积金储蓄不在债权人或法定破产管理人索赔之内。

谁有资格获得提名?

您可以提名任何人或机构继承您的公积金储蓄,包括18岁以下人士。如果被提名人年龄在18岁以下,其分配的资金将由信托局管理直至满18岁。未成年人的信托财产由信托局依法投资,这项投资每年为被提名人赚取利息,信托局需要按利息数额收取一定费用。

下表为利息收入须缴付的费用:

公积金提名全网最全解析 — Engage

我可以指定多少名提名人?

提名人数没有限制,如果您指定的提名人多于4人,需要另外填写及签署一份公积金提名人表格。

如果我的提名人去世了怎么办?

如果您的提名人在您之前去世,而且您还没有指定新的提名人代替他/她,将分配给他/她的部分公积金储蓄将平均分配给其他的提名人。另一种情况下,如果没有其他的提名人,公积金储蓄将根据无遗嘱继承法分配。

提名机构作为公积金提名人

允许提名家族企业或慈善机构或社会组织作为公积金提名人。该机构必须为独立法定单位实体,在法律上有能力以机构名义持有公积金储蓄,而不是以机构的成员之一持有。

这些机构通常是根据社团法注册的社团,根据公司法和有限责任合伙法注册的企业。你可以通过社团注册新加坡会计与企业管理局的BizFile+网站查询您希望提名的机构是否是独立法定单位实体。

我的公积金提名是否保密?

是的,任何人不可能在公积金委员会得知您提名人的信息。然而,您可以授权公积金委员会在您过世后披露您的提名者身份。

什么类型的公积金提名?

公积金提名计划提供3中公积金提名:

  • 现金提名—您的提名人将通过支票或直接转账的方式收到您的公积金储蓄;
  • 强化提名计划(ENS)—您的提名人将在其公积金账户中收到公积金款项;
  • 特需储蓄计划(SNSS)—提名您有特别需要的孩子每月领取相应金额的公积金。

若没有具体选择,默认选项是现金提名。

申请公积金提名的步骤:

第1步:

  • 确定提名者的数量,以及希望分配给他们的公积金储蓄的百分比;
  • 您可以按不同比例分配给您的配偶和每个孩子。

第2步

  • 在两位见证人在场下签署“公积金提名表”;
  • 见证人不能是您的被提名人,而且必须年满21岁,心智健全;
  • 您不能作为自己的见证人;
  • 填写表格并递交给公积金服务中心。

第3步

  • 您的公积金提名申请将被处理,公积金委员会将会通知您的申请状态;
  • 如果您在提交后两周仍为收到任何消息,请与公积金委员会联系。

:建议您前往公积金服务中心填写表格。公积金客户服务主管可以作为您的见证人,并回答您的任何询问。为了节省时间,请在前往公积金服务中心前至少1天,通过公积金预约服务预约时间。

你需要携带的文件如下:

  1. 您的身份证/护照副本;
  2. 两位见证人身份证/护照副本(如果是客户服务主管,则无需提供);和
  3. 被提名人的身份证/护照副本

公积金提名服务是免费由公积金服务中心提供的。

修改公积金提名

如结婚、子女出生或被提名人死亡等情况的裱花,可能引起您的公积金提名发生变化。特别是当您在结婚前申请公积金提名。在这种情况下,您的公积金提名将在您结婚后自动撤销,所以您需要申请新的公积金提名。

在下列情况,您的公积金提名不会被撤销

  1. 您与配偶离婚;
  2. 您家里有新生孩子;
  3. 您的一名或多名提名者去世。

然而,当上述事件发生时,您可能需要修改公积金提名。

若我在申请公积金提名后丧失心智能力怎么办?

您的公积金提名将继续生效,除非:

  • 唯一的被提名者或所有被提名者在您之前去世;或
  • 法庭撤销您的公积金提名(例如,法庭裁定提名者是在您丧失心智能力的情况下提出的);

在上述情况下,您的公积金储蓄将由信托局根据无遗嘱继承法进行分配。

如何更改或取消公积金提名?

你需要填写一份“撤销提名通知书”,才可取消先前所作出的公积金提名,这个过程仍需要2位见证人。

此表格可以在公积金服务中心网站上下载。

我的公积金将如何分配?

公积金委员会将在您过世后写信给您的提名者。然后提名者将可以在任何时候向公积金委员会申请获得他们的公积金储蓄份额。

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.

Published By:

Li Wenjun Olivia 李文君

非常荣幸,您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生,在新加坡最大公立医院ICU工作7年后,转行理财行业。入行之后我不断的去提升自己,结合自己的医疗背景,为客户转移潜在风险,精准配置。并且帮助客户做财务增值规划,让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户,不论您是刚毕业的年轻人,还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士,为您货比三家,优中选优,在超过150家金融合作伙伴的产品中,配置最适合您的理财规划方案。

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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