新加坡CPF是什么

新加坡CPF是什么?非新加坡人可以开设CPF账户吗?

 

新加坡中央公积金计划(CPF,即Central Provident Fund)是一项由新加坡政府强制实施的储蓄和社会保障制度,针对新加坡公民与永久居民设计,目的是为国人的退休、医疗保障和住房需求提供财务支持。本文将详细介绍CPF的历史、主要功能、供款机制及非新加坡公民是否能够参与或开设CPF账户的现状和最新政策变动。

新加坡CPF简介

新加坡CPF设立于1955年,当时还是英国殖民地时期,其最初目的是为工人提供退休保障。随着新加坡社会和经济快速发展,CPF的使用范围不断扩大,例如1968年开始可以用来支付政府组屋的购房款项,1984年后又可用于医疗相关支出。随着政策发展,公积金也为不同用途设置了独立账户,如普通户口、特别户口和保健储蓄户口等,并逐渐开放成员可以选择较高风险的投资方式,提升资产增值空间。

CPF的主要功能与用途

CPF不仅仅是个人强制储蓄计划,三个账户更是结构性地连接了三大核心民生领域。员工每个月领取的薪水需要按照一定比例强制存入到下面三个账户中,具体的比例随员工的年龄及收入的不同有相应的规定。

特别户头(Special Account, SA):满足退休保障,保障老年退休金收入。
医疗户头(Medical Account, MA):满足医疗保险,成员可用保健户口金额支付部分医疗保险、门诊和住院费用。
普通户头(Ordinary Account, OA):可用来满足住房支持,成员可使用普通户口中的余额支付政府组屋(HDB)相关购房、贷款还款等支出。

新加坡本地公民到了55岁的时候,现有的特别户头(Special Account, SA)将关闭,账户内的存款会合并转入新开的退休户头(Retirement Account, RA)。如果退休户头资金已达全额存款(Full Retirement Sum, FRS),特别户头里多余的资金将自动转入普通户头(Ordinary Account, OA)。然而,仅仅依靠CPF的存款能否满足退休需求,这就是一个因人而异的话题了。如果您有这个方面的疑问或者想要为退休做一个更适合自己的方案,欢迎咨询Will刘飞

此外,CPF设有最低存款年金机制,针对退休成员提供长期稳定收入,并允许多元化投资以增强资产保值和增值功能。但CPF的存款能否

CPF的供款机制与演变

最初在1955年,供款比例为雇员和雇主各自月薪的5%。此后,供款率随经济成长不断提升至1985年的25%。但在1986年经济衰退及后续亚洲金融危机期间,为维持企业竞争力,雇主供款率多次调整下降,随后逐步恢复。最新政策规定2023年起至2027年,55岁至70岁的雇员供款比例将持续提升3.5%,目的是为年长者提供更充足的退休保障。

根据2020年公开数据,CPF全体成员总存款额突破4621亿新元,反映出该制度在新加坡社会的重要地位和深远影响。

非新加坡人可以开CPF吗?

历史政策回顾

早期将CPF限定为新加坡国民及永久居民的强制储蓄计划。1987年前,在新加坡工作的外国人(如中国公民)曾可以参与公积金供款。1987-2003年期间,部分持有工作许可证的中国公民也获得自愿缴纳CPF的机会。然而,2003年起新加坡逐步收紧规定,无新加坡国籍及永久居民身份者原则上不再开放新CPF账户,也无法享受原有各类利息和保障政策。

2023-2024最新政策变动

根据新加坡中央公积金局(CPF Board)2023年公告,自2024年4月1日起,将正式关闭所有非新加坡公民及非永久居民的CPF账户,即那些持有工作许可证、或者曾在新加坡工作的外籍人士,如果没有取得新加坡永久居民身份,将无法继续保有或开设CPF账户。

具体执行细则包括:

– 现有非新加坡公民及非永久居民(如中国公民)CPF账户,余额可随时申请提取,提取过程不收任何手续费用,但通过银行汇款会按规则收取转账手续费。
– 从2024年4月1日起,以上账户余额仅享有每年0.05%的象征性利息,不再享受原有中央公积金利率及投资收益。
– 至2027年3月31日后,所有此类账户余额将不再计息,国家不再提供任何管理和保障服务,要求成员及时关闭账户并提取余额。

提现与账户关闭流程

对于曾在新加坡工作(尤其是1987年前或1987-2003年自愿缴纳者)但已离境的外籍人士,如果涉及账户余额提取和关闭,需按照CPF局公告的流程操作:

1. 下载和填写“非新加坡公民中央公积金账户关闭”(CPF-CA)表格。
2. 提供相应身份证明文件,可选择在线、邮寄,或现场于新加坡公积金局服务中心办理。
– 在线办理需通过Singpass验证身份。
– 邮寄办理需公证材料并寄送至CPF局,或由新加坡驻华使领馆见证盖章后邮寄。
– 现场办理适用于人在新加坡但无Singpass者,可预约后亲赴服务中心完成流程。

CPF账户的归属与政策趋势

综上,新加坡CPF是一项高度成熟且保障性强的社会储蓄与福利制度,其覆盖范围仅限于新加坡国民与永久居民。外国人在新加坡短暂工作期间,曾有有限参与机会,但现行政策依据2023年公告,已原则上全面关闭所有非新加坡公民和永久居民的CPF账户,不可新开账户,已有余额需于限定时间内完成提取,并最终关闭账户。

此举明确了CPF的“本地公民有限制专属”性质,也提醒在新加坡工作的外国人士及时关注与自身相关的公积金账户管理和政策更新,避免权益丧失或资产无法及时提取。如有疑问或需辅助办理,可与新加坡中央公积金局及新加坡驻华使领馆联系以获得指导。

更欢迎你直接联系Will获得最适合您的建议。

#新加坡CPF #新加坡中央公积金 #新加坡永久居民 #新加坡公民 #退休规划

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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.

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Will Liu

非常荣幸,欢迎您来到我的个人网页。
我是Will-刘飞。2005年从华中科技大学(HUST)毕业后,我来到新加坡发展,先后在IT行业担任大客户经理超过十年。

经历多年的职场历练后,我不仅在技术和业绩上不断成长,也在工作之余逐渐对理财产生了浓厚兴趣。利用业余时间,我刻苦钻研相关知识,并在新加坡管理大学(SMU)获得了实用经济学硕士学位(Applied Economics)。在SMU深造的那段时间里,我两个可爱的女儿先后出生,她们的到来让我倍感幸福、也更加深刻的体会到家庭财务规划的重要性。在获得理论知识的支持后,我在个人生活中坚持实践,逐步实现了有车有房,稳定成长的小目标;女儿们也都顺利考入了新加坡的知名中学。

我真诚希望能凭借所学,帮助更多人实现财务安心。因此,我选择投身金融理财行业,把帮助客户规划稳健的未来作为自己新的职业目标。入行以来,我不断学习与成长,结合自己在软件行业多年积累的经验与数据分析能力,为客户量身定制财务规划方案,帮助他们有效分散风险,让生活在不确定的时代中能够多一份安心。

无论您是刚踏入职场的年轻人,还是事业有成的企业家,我都希望成为您在新加坡值得信赖与依靠的理财伙伴。凭借超过150家金融机构的合作资源,我将为您精挑细选,找到最契合您需求的理财方案。

欢迎随时与我联系,让我们一起为您的财务未来打造更稳固的基础。

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
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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