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多少馬勞PR新國工作55歲有這樣的CPF存款？RA退休戶口已經超過 ERS 250,000 水平！
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发表于 23-11-2017 10:33 AM
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说CPF每年“亏”利息给已经离开新加坡的前PR，根本就是在侮辱新加坡政府的智慧。
如果新加坡政府没能利用前PR在CPF里的钱来赚取比CPF利息更高的利润的话，早就PolicySwitch让他们可以提出来了。
别侮辱新加坡政府的智慧。
只有西马人无法在放弃PR离开新加坡时提出CPF。
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楼主 |
发表于 23-11-2017 01:21 PM
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色鹿就是要MIX UP！
如果這樣的話，為什麼CPF會員55歲不能像PR可以100%拿出來？
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发表于 23-11-2017 01:25 PM
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本帖最后由 kcchiew 于 23-11-2017 01:29 PM 编辑
gonong 发表于 23-11-2017 01:21 PM
色鹿就是要MIX UP！
如果這樣的話，為什麼CPF會員55歲不能像PR可以100%拿出來？
就算是pr也不能拿出来， 除非他放弃pr。。。。放弃新加坡公民权的也可以完全提出来。(只要你老年的时候不在新加坡， cpf就"不理"你了)
但是， brs+bhs现在最高也只是13万多新币， 能跑到什么国家? |
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发表于 23-11-2017 01:42 PM
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kcchiew 发表于 17-11-2017 01:32 PM
我家老二出世时有用到，中间内子，孩子分别住院时，也有用到。
MA是医疗费，肯定是要准备的，但里面的顶限是防止会员放太多钱进去， 不是说我们得在55岁时填满它。
55岁，保留brs在养老户口内，是减轻国 ...
请问一下生孩子可以用medisave 来付吗？
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发表于 23-11-2017 02:05 PM
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色鹿一直鼓励网友TopUp Special Account.
55岁时，如果OA+SA多过BRS(with property pledge)/FRS，那么多过的钱可以在任何时候提出来。我想请问色鹿，自己TopUp进SA的钱，可以提出来吗？
比如今年55岁时，OA+SA=150000，其中67000是我自己TopUp进SA的。今年BRS是83000,Pledge Property后，我可以拿67000出来吗？ |
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发表于 23-11-2017 03:02 PM
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发表于 23-11-2017 03:07 PM
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limlg 发表于 23-11-2017 02:05 PM
色鹿一直鼓励网友TopUp Special Account.
55岁时，如果OA+SA多过BRS(with property pledge)/FRS，那么多过的钱可以在任何时候提出来。我想请问色鹿，自己TopUp进SA的钱，可以提出来吗？
比如今年55岁时，OA+SA ...
SA + OA 会合成 RA户口。 然后剩余的钱可以全提出来，或继续保留在内。
请看这边：
When you reach 55 years old, your Special and/or Ordinary Accounts savings will be transferred to your Retirement Account to form your retirement sum. Your retirement sum can be used to join CPF LIFE which provides you with life-long monthly payout or the Retirement Sum Scheme which provides you with a monthly payout until your Retirement Account balance is depleted.
After setting aside either the Full Retirement Sum or Basic Retirement Sum with sufficient property charge/pledge, you can choose to withdraw the remaining cash balances in your Ordinary and Special Accounts, or continue to keep your savings in CPF to earn attractive interest.
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发表于 23-11-2017 03:07 PM
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limlg 发表于 23-11-2017 02:05 PM
色鹿一直鼓励网友TopUp Special Account.
55岁时，如果OA+SA多过BRS(with property pledge)/FRS，那么多过的钱可以在任何时候提出来。我想请问色鹿，自己TopUp进SA的钱，可以提出来吗？
比如今年55岁时，OA+SA ...
SA + OA 会合成 RA户口。 然后剩余的钱可以全提出来，或继续保留在内。
请看这边：
When you reach 55 years old, your Special and/or Ordinary Accounts savings will be transferred to your Retirement Account to form your retirement sum. Your retirement sum can be used to join CPF LIFE which provides you with life-long monthly payout or the Retirement Sum Scheme which provides you with a monthly payout until your Retirement Account balance is depleted.
After setting aside either the Full Retirement Sum or Basic Retirement Sum with sufficient property charge/pledge, you can choose to withdraw the remaining cash balances in your Ordinary and Special Accounts, or continue to keep your savings in CPF to earn attractive interest.
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发表于 23-11-2017 03:28 PM
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色鹿，你果然不知道。
你不知道这一点，就一直鼓励人去TopUp SA，有没有想过可能害了人呢？
自己TopUp进去的钱，是不可以用来算BRS后提出来的。
这笔钱，一定要放在RA里面，65岁过后，每个月一点一点拿的。
看这里
https://www.cpf.gov.sg/Members/Schemes/schemes/retirement/retirement-sum-topping-up-scheme
https://www.cpf.gov.sg/Assets/members/Documents/Illustration_of_topup_monies_in_RA.pdf
How can top-up monies be used?
Top-up monies are set aside specifically for retirement needs and will be streamed out as monthly payouts under the Retirement Sum Scheme, or CPF LIFE1. It cannot be used for other purposes such as education, investment, insurance premium payments, housing, be withdrawn via a property with sufficient CPF property charge or pledge, CPF transfers and/or exemption.
In general, top-up monies will form part of your retirement sums. However, top-up monies in the RA cannot be used to form part of the Basic Retirement Sum(BRS) in computing how much RA savings2 can be withdrawn through sufficient CPF property charge or pledge, as well as how much RA savings2 can be used for participation in the following CPF schemes:
- Members who wish to withdraw RA savings above their BRS for housing
- Members who wish to transfer RA savings above their BRS to their spouse’s CPF account, under the Retirement Sum Topping-Up scheme​
[size=0.9em]1 Note that non top-up monies will be used first before top-up monies.
[size=0.9em] 2 RA savings refers to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received and top-ups received under the Retirement Sum Topping-up scheme), plus amounts withdrawn such as monthly payouts and payout eligibility age lump sum withdrawal.
Please click on Top-up monies in RA (PDF, 0.2MB) for an example.
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发表于 23-11-2017 04:28 PM
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我是劝人转钱去特别户口，没劝人填补退休户口；活跃在这论坛的应该还没人有cpf退休户口。
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发表于 23-11-2017 04:47 PM
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哦 原来你的叫人“填满SA”，是叫人“转钱”。
说清楚嘛，色鹿。 |
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发表于 23-11-2017 04:56 PM
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哦 原来你只是叫人TopUp老婆的SA来扣税，不是TopUp自己的SA。
你真是好老公。
不过其他的老公大大最好还是要懂，你TopUp给老婆的钱，她是肯定要65岁过后，每个月一点一点拿到。
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发表于 23-11-2017 04:59 PM
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发表于 23-11-2017 05:05 PM
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那就看个人的财务状况了。
我等到自己的cpfsa满额后，才填补内子的cpfsa。
以后就算我不在了，就算其他钱都给人骗去了，她也能靠年金活到去世为止。
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楼主 |
发表于 27-11-2017 03:31 PM
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色鹿真天真！
放棄PR還有公民！
放棄公民還有什麼！
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发表于 27-11-2017 04:45 PM
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你要合起来看。
要说cpf扣太多钱（brs+bhs 十多万新币），其实可以解决，只要放弃新加坡公民权就可以提完了。但是，那十多万可以让55岁的新加坡人去什么地方？
所以cpf扣那十多万会不会很多？ 十多万新币可能连去其他比较先进的国家都不够养老，在新加坡呢？
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楼主 |
发表于 27-11-2017 06:06 PM
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发表于 27-11-2017 09:36 PM
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本帖最后由 kcchiew 于 27-11-2017 09:45 PM 编辑
gonong 发表于 27-11-2017 06:06 PM
色鹿就是不看重點！
CPF死死扣新公民 220K，可是PR卻享受同樣CPF福利卻可以在55歲全部拿出來！
220K不是小數目！
就算你要算frs+bhs, 也得看新加坡人靠22万可以去那里? 有那个比较先进的国家要收过了55岁只有22万的新加坡人?
没有。 为什么?
补充:
22万新币， 就算无需放弃新加坡公民权， 可能连大马的第二家园计划都无法参与。。。连大马都不收! 
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楼主 |
发表于 28-11-2017 11:14 AM
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楼主 |
发表于 28-11-2017 02:39 PM
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色鹿對這位退休人士的意見有什麼看法？
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