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CPF LIFE的遗产机制

CPF LIFE的遗产机制

我的RA钱全扔进去CPF LIFE了，听说活不到90连自己的钱都领不完；离开后以后家人会不会一分钱都拿不到？相信很多人都有这样的担心。今天咱们就来聊聊CPF LIFE这个让很多人纠结的“遗赠”话题。

我们还是用一个比喻为您解释CPF LIFE的遗产机制：

假设您在2025年55岁时已经达到全额退休储蓄额（FRS）$213,000。

第一阶段：爬山（55岁→65岁）

您就像在爬一座财富之山。在这10年里，年复一年地积累，RA账户从$213,000 增长到 $315,000。这个增长来自CPF的4%利息和前六万额外2%的高利率优惠，以及您持续的CPF缴款。每一步都在稳健地积累财富，而您在财富之山上也越爬越高。

第二阶段：开始下山（65岁=山顶）

假设当您65岁时，您选择启动CPF LIFE标准计划，开始每月领取$1,700的终身年金。那么您的65岁就是到达山顶，开始下山的时刻。

从这一刻起，您的RA账户每月递减大约$1,700，就像一个人从山顶缓缓下台阶，悠闲的欣赏着山间的美景。

第三阶段：飞升成仙（您离世）

当您离世时，剩余未使用的RA账户余额就是您修炼的结丹，完全返还给您的家人。这里的规则呢也很简单：

您离山顶越近，结丹也就越大；您离山顶越远，剩下的结丹也就越小。

具体数字对比

cpf life bequest

如果您在75岁飞升成仙（离山顶仅10年），结丹最大——您的家人将获得$111,800。这是因为您还没有领取太多年金，大部分的山顶财富还保留着。

如果您在80岁飞升成仙（离山顶15年），结丹所剩无几——只有$8,000。您已经领取了15年的年金，累积领取$311,400，几乎耗尽了初始的$319,400。

如果您在85岁飞升成仙（离山顶20年），结丹化为虚空——$0。您领取了20年的年金共$415,200，已经超过了初始账户余额，也就完全没有遗产留下。

当然，这里的分析有一些过于简化，真实的遗产还要加上您在OA账户与MA账户里的余额。

不过，我们要明白的一个重要的关键信息是：CPF LIFE它本质上是一个退休工具，能够保证您无论活到多少岁都能领钱，但它并不是一个传承工具。

欢迎您参考我整理的其他一些文章资讯，更欢迎你直接联系Will获得最适合您的建议。

#新加坡CPF #新加坡退休规划 #新加坡终身入息计划 #CPF Life #投资 #年金

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Will Liu Fei

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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 Fei

非常荣幸，欢迎您来到刘飞的个人网页。
我是Will Liu Fei。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。

如果您还没有跟我取得联系，请添加微信(Wechat)“Will_Liu”或点击这里联系我！

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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