[ENG SUB] 55岁和65岁 公积金数字中的意义 The significance of turning 55 and 65 | Behind Singapore’s CPF (1/5)
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- Опубліковано 9 лют 2025
- 一到55岁，新加坡人就会有一个公积金退休户头，但要等上10年，满65岁，才能开始领取每月入息。为什么我们不能早一点开始领月息呢？点击视频，让总理和部长为你解惑！ zb.sg/ws3X
Singaporeans will have a CPF Retirement Account once we turn 55, and 10 years later when we turn 65, we can choose to start receiving monthly payouts. Why can’t we get our payouts earlier instead? Watch the video to find out more!
📌 点击 👉🏻 zb.sg/cpf-vide... 👈🏻 看完整系列视频。
#公积金 #CPF #CPFLIFE #公积金终身入息计划 #黄循财 #陈诗龙 #PMWong #LawrenceWong #TanSeeLeng #retirement #退休
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受访的彭女士，说话咬字清晰，能言善道，让我印象深刻。新加坡的公积金制度，我觉得改进后是很不错的，起码比我在美国的社会保障计划靠谱得多。现在欧美国家的国民退休计划都在面临财政赤字的问题，新加坡人已是很幸运的了。
我在40岁左右就开始注重把钱存入CPF户口内。 如今56岁，CPF OA+MA+RA 有7位数的存款。虽然随时能提出OA的数十万储蓄，我还是打算到60岁后才开始动用。❤
那，你很幸运。只有当你没有使用公积金支付住房费用并且没有动用医疗储蓄时才有可能取得这成就。 你要么继承了父母的房子，有人为你的房子付了钱，或者你之前把较贵的房子卖了把所赚的钱输入进去。不然不可能达到这数额。
前辈你好 我和你一样 今年43岁 前三年前开始我也把钱都放进公积金里面 估计55退休时 户口里面也会有七位数 不过我进的不是cpf 我进的是epf 哈哈。
你够有钱的😂1
@@liewchenfei6385 EPF缴交率比较少，若只靠打工会存得比较少。假如你是自雇人士，每年都存入EPF最高存款额，根本就不需要到55岁就有7位数了。
@ 有人帮他日常费用或住宿买单。
The issue with CPF is that to see the fruits of compounding, you need to live that long or even longer in future. Even if you start enjoying the payout at 65, you will be withdrawing a monthly sum, nothing more and nothing less without flexibility. Remember that a human is at its healthiest of retirement age from 55 to 65 for most people - 70 if heaven smiles at u, thereafter the ability to enjoy retirement drops drastically. Its always comforting to know at a certain age a handsome sum of money at own disposable is always more welcome than a locked up monies in CPF. So, let's flip the question, what if you cannot live beyond 70? Yet on the flipped side, CPF ensures that aging population will not burden the Govt & society with a sustain savings of their own - I think this is the main aim of the policy.
Aunty is so wise & positive. May her pinky recover speedily.
Wise and positive no use, you no money nobody pity you. Plus she don't need to do 2 years of NS plus 10 years of reservist so she can earn more money.
以我个人的经验，CPF里的钱尽量不要拿去投资除非是需要用在购买租屋。不管是怎么样的投资一定有风险。我就曾经跟着政府投资公司投资在一家上市公司的股票，结果那家所谓政府投资公司都看好的公司突然间倒闭破产了，我就这么样的损失了所有用CPF投资在那家公司的大概新币三万多元。
从此之后我就不相信什么政府投资公司或用CPF里的钱拿去投资。以上只是我个人的经历和看法。
那么俺也来鸡婆马后炮一下，如果您当年买入的股票是本地3家银行任何一家的股票，持守到今天，股价上涨的差价和所领取的股息，很可能已经是0成本了。
同意吗？
Sad to hear it. What u did is not right ie putting all in one. Need to balance out. Don't becos of high return n full speed. Is all about managing risks
@NahbehChow you got it right there, RISK. For average citizen how much do we have in CPF to take such risk with our life saving meant to be use for old age and forgoing 2.5% to 4% interest. (If a GLC can make ridiculously wrong investment judgement on a local company which can fold over night, as if they blindly invested without due diligence.)
Structure products have management fee and risk, junk bonds high interest of 10-13% and not call junk for nothing, REITs 5-7% (ignore brokerage fee) risk of fluctuations same for equities. (Those insurance investment linked products are even worst)
The basket you talk about does not apply to most citizens when investment amount are limited and when market crash, those risk management are just empty talks. (Go look at Lehman crisis and history of other crisis). Are you to say there are no danger of black swan at current chaotic world?
PS: all this are my personal opinion and experience as a average citizen who been thru and done that with having 20 years of investment experience. ***Don't get me wrong, people with extra cash should still investment but with cautious.
@@AJQwertyu100％ correct. 😂😂😂😂😂😂😂
一个人80岁后即使每天拿100千已经没什么意思.
还医药费，不能走动的还要给女佣费。
如果他身体健康，每天还可以追赶跑跳碰的话，那就会有很多人羡慕他了，包括你和我。
80岁以后，要是一分钱都没有，才真的是没什么意思了
@@yangmcn 但是如果都走不动了，拿了还有什么意思？
每天拿一百千
有很多干女儿，干儿子
在孝顺你
有什么不好
我们就是不用做工的70的老人每天 一起在咖啡店喝茶聊天。
真好❤
吃饱等死啦😂
The CPF is definitely going to keep changing as global conditions get tougher and people live longer. It seems like the rules for withdrawals are going to get stricter too. Still, I really think the CPF is one of the best retirement systems out there.
@@yooong ua-cam.com/video/p3rOqdDGZMg/v-deo.htmlsi=gBFmwtMJi48Vo7gA
So sick of these.
90岁有多少人能活到。。。😢
如果有参阅报章的讣告，有数据可以证明往生者的年龄。
生死有命，不由得你做主，只要健康开心活到老。
是的，以上视频都是废话！
我看很多70出头就交登记了
自己有现钱💰才是王道！！！❤
And c the money shrinking every year becos if inflation. If you do not understand economic/inflation/investment/insurance ie financing, please don't comment. Not helping those that really need help
Fk agree with you. Have cash in your hand and invest on your own
政府對本地人长壽太過樂观，很多不到50岁上西天取經.到时钱在公积金行人在天堂.幸好現金比退休戶口還多所以可以准备退休
都比大s活的久？ 给他们多个收割韭菜的借口罢了！
我记得有句话是这样说的:人死了，钱还没花完，是件痛苦的事。人还没死，钱却花光了，那就是更痛苦的事。
@@IronMouthCrow 就算让你拿钱你都已经走不动了，还能去旅游？
@@andyng5321 公积金是让你养老的不是让你去旅游的
原来你们很多都不到50岁上西天叻？！怪不得新加坡的公积金一讲到65岁什麽什麽的，你们都古古叫！！
說很容易，做起來很難😅😢還是有很多新加坡人需要幫助😮
物以类聚才会以为很多新加坡人需要帮助！
when u reach 65y can u get employ, in pte sectors not to say about government coy n agency...which employers willing to employ older workers who may have higher education n experience, I am planning to work till 75. I received 101% rejection, even gov related coy rejected me, not to mention pte sectors, older workers contribute much lesser CPF which helped employers save costs of employment...
What if you have no next of kin....
难度高…我两个朋友都是癌症患者。一个五十出头，另一个六十岁。现在都半条命了，请问政府您可以让他们都活过八十岁吗？？！！！说的人容易，中的人还在难度日呢…！！由其，是我们这些有中年危机的人！钱不夠用，还要生不如死的过日子…！！药品价格有优惠都不夠现钱还药费呢…！！
都中毒了，谁能长寿？？？
要死不死。政府又不是寿星公！
中年就危机? 自找!😝
So your 2 cases is majority of all the passed 55 yrs all chronic or died young. I have 20 relatives that passed away. Only 3 below 85. So u really bs talk
如果在50岁得到重病或小孩大学教育就该让会员能早點提取公积金钱.不然人死了再多闲钱也没用
Just like insurance, the payout is “projected figure” not guaranteed right? If one died at 67, will all the money in RA confiscated and go to the pool for other ppl?
It goes to your next of kin
I thought it should go to the pool of cpf life.
@ that’s my understanding also
im low income earner ..now 61yrs old ..retirement fund only 100k ....by 65yrs old .. i dont even can withdraw enough for holiday with my kids or enjoy a little .how ?
可以说说
你年轻时候赚的钱去哪里了
61岁！还要养孩子吗？
我五十四岁
儿子结婚了
@@MARIEAna-sr2pt Ask your kid to pay for you la!😝
I think you can consider a small holiday with your peer, but unlikely with your kids. Let them pay their own holidays when they earn and save. I think we need to manage expectations, take care of ourselves first.
Holiday at JB can liao. Your kids can find a job. 😂😂😂😂😂. I last time 16 years one already open CPF
你投我一票！80岁免做！独立人仕的大选囗号🎉🎉🎉🎉哈哈哈哈🎉🎉
准备按柜金都拿不回才真! 😝
A simple question... those minority who not able to achieve CPF target amount or no CPF, how are they going to survive? CPF since they one planned for Singaporean but if one failed to achieve or no CPF should they suffer? For many instances we see the good side, but the disadvantage minority should they get help? The good of CPF always surface but what about the disadvantages. Singapore CPF total amount have never disclosed to the people, why?
i already mentioned CPF should let 65yrs old seniors that house fully paid should able to draw 40 or 50 % of their RF ....is not abt how long we live . low income and many needs some money to enjoy for holidays etc after 65yrs ...many got no chance for enjoyment after 65yrs old cos money all locked up . is unfair
If you can't even manage to have balance in your OA, let you withdraw & "eat government"?!😝
Then who fund their retirement? You? Your peanuts salary is not enough to fund the 230k who r already >65 now
Cannot go batam got second wife how ? 😂😂😂😂😂.
CPF😑 vs
ToTo lottery million if Lucky....😮
只有那位马来妇女敢说真话，我赞成💪💪💪💪💪
之前很多60到100岁的老人就因为政府把关太慢或不严谨造成多少老人因covid而死。
The pap gahmen use our own money to fund our retirement and THEIR retirement lol
wrong account
👍👍👍
公积金的钱到死都拿不完，加上生活成本那么高，不能退休，怎样好？
做工做到死😅
没本事又穷又老的悲歌吗？
新加坡人真可怜
到死都拿不完好啊！好过还不死钱已拿完，死了那些钱可以Legasi給你的儿女
Semi-retirement scheme should be implemented‼
你若活过90所拿到的💰钱是从那些比你早死人CPF的钱,不是政府拿出来给你的.你要感恩那些比你早死的人,而不是政府. 政府搶早死人的钱去帮助晚死的人,这真是非常的不道德,会有报应.
早死人的钱不是留给他们的后人吗？怎么会拿来给其他人？遗嘱是拿来做什么用的？
早死人不是给家人了吗？
早死人CPF的钱都给儿女了耶！！！
先了解一下年金的制度和运作才来发表你的意见。不应该为了反对政府而反对，然后在这里造谣发表不实的言论和指控。这是非常恶劣的行为。
@@socketheadscrew707 若不是搶早死人民的💰钱,那钱从那里来去给那些活超过90？ 政府不会拿出一分一毫给人民, 除非你能證明有.
活在当下
只要你55岁时退休户口达不到基本退休款，你就要准备一直做工做到你死。而且每年基本退休款提高，所以永远达不到，到了65岁每个月从退休户口也只可以领几百块，所以很多达不到基本退休款的要打工70多岁以上还在做工。真是本地底薪人士的可悲。
底薪的人会有很多政府津贴。我家的老人没有收入，符合政府规定的一些条件的话，她留医住院，基本上都是免费的。
这是
没本事又穷又老的悲歌吗？
你是新加坡公民！
有工作做
只要不要整天演名门贵族
死要面子活受罪
会穷吗？
是没本事又爱充大只的
@kaiserlow652 政府一津贴，各方人馬馬上冲上前耒……，有良心的，起一两毛，没有良心的大型🥶冷气食阁，一起就一块钱，到头来，左手拿右手付出更多，最怀念凍结工资年代，让他们無借口！成功的年年换豪車！
确实如此啊
搬去生活费较低的国家才是解决方案，老了哪里退休都一样，最重要是可以应付开销
不錯的建议
我也是想！去中国旅居
每年租一个省的房一年
享受一下中囯每个省份的春夏秋冬交替美景
你會後悔的@@YENNEE-fs9wz
生活费较低的国家的设施不好，你有命出门去怕没命回！
不一样! 老了亲朋戚友, 安全, 方便与求助有门更重要!
@ 是在新加坡
看不到一年四季的美景
也没办法！养小动物
我想养羊！养马！骑马
在新加坡是做白日梦
想想那一望无际的草原！沙漠
能在那骑马
More and more can live longer?EVER SINCE WHEN GOD ENHANCE OUR GENES??
ITS NONSENSE.
AT 71 NOW I SEE LOTS OF MY CLASSMATES PASS AWAY ALREADY.
Poor thing. 😂😂😂😂😂.
Their partner and kids strike lottery
Return the CPF 50% @ 55 years old . Can it be saving or investment . The rest @65 years.. (delay of retirement due to pensions in other countries). But the case when people work and part of money save in CPF . It's different
Urgh current scheme 70% already says not enough. So u want others to pay higher tax to fund your retirement?
那就不要早死，坚持活到100岁，我🈶一个乐岭同学97岁了，还坚持学习😂
他快乐吗?
政府最开心你们长寿！你们知道为什么吗？用你们的肚子想一想就知道了😊😊😊
Struggling Singaporean's can't wait till 65 my friend!!!😮😮😮😮😮😮
@@antonette2113 ua-cam.com/video/p3rOqdDGZMg/v-deo.htmlsi=gBFmwtMJi48Vo7gA
What a pitiful life u led. May God bless u
@@NahbehChow wake up then.!!
@@NahbehChow you're not the only person who has a cpf account in Singapore...so speak for yourself and not everyone has your mentality!! 😭
Mathematically nonsense......at 4%interest a 240,000 dollars and if he draw 1000 a month so exhausting that 240,000 dollars.. .. he should have a net interest of 96,000 which if continue at 1000 per month enable
96000÷1000=96 month or 96÷12=approx 8 yrs.
So 70+20+8=98
SO WHO CAN LIVE OVER 98 YRS???,,
SO STUPID TO HAVE A SCHEME THAT SUCK UP YOUR INTEREST.
DUMB
剩余的錢可留给后代子孙
how did you calculate??
Use your AL or mathematics.....example after 1st month activation original sum 2400 so left 240000-1000 and so interest loss is (240000-1000)×(4/100)×(1/12).
Then next month loss is
(240000-2000)×(4/100)×(1/12).......for 240 months (20 yrs)
You will get that sum.
Retirement age should be 65 at least in developed (aging) countries‼
公積金制度已經被綁架，有幾個人可以活到85 或95, shame on CPF board
@@krisgoh1431 政府设下的骗局
替我们付钱，我们就继续支持你
然后继续调高 gst
等久久
又来个乞丐
@@TheHongkc 调高 gst 是做生意和外地人的头痛事，普通百姓有政府的津贴， 我用excel 算过了，还有赚！
@@andyng5321 你懂得 钱拿不到 画再大的饼也白搭
如果平均收入$8k,CPF双方5%就够了,工作四十五年外加利息有$60万,为什么要20%😮
很多人也就活到 75岁。存了一辈子，也就用十年。有必要吗？
你才有多少CPF
一直念叨
Many Singaporeans are already unemployed at 50 or earlier!!!.. can't wait till 65!!😮😮😮😮😮
65 yo is consider young!
@@BearBear0310 no one will employ u though....yet have to meet expenses esp now prices are soaring sky high!!
@@antonette2113You are unemployed at 50?! You deserve it!😝
Bs to the max. Nursing has many vacancies. Hygiene n environment health too. So ask why these people don't work there.
@@antonette2113 price high? I don't feel it!😝
恐怕数年后提取GJJ的年龄将延后至70
local born can go to causeway point entrance and beg $$$
Baby 生出来都有CPF了😂。你发10块也有16年的4％啊。让他们自己生钱吧😂
活不到65岁钱就GG了
说白了就是怕你花政府一分一毫
寿命越来越长！？！太可怕了！！平凡人没有足够养老金不如适可而止一了百了
大S死了😂😂😂😂
过了90岁我还有钱拿。$2.50 一个月厉害吧！
Any Sporean born before 1958 is under the CPF retirement scheme.
Under Retirement Sum Scheme (RSS), you will receive monthly payouts till age 90 or until your savings runs out, whichever is earlier.
Do not convert from old retirement sum scheme to CPF life if you have excess $ & want to live your CPF savings to you loves one (legacy).
The money in your old retirement sum scheme always earn 4%+ yearly. If you do not " trigger " the 1st initial payout,
It will continue to compound 4%+ yearly.
Of course, CPF board will send a reminder letter that your parents can start to withdraw out monthly. If you have excess cash & do not need the money, you can don't "trigger" the payout. Just let it continue to be compounded @4%+.
Can treat it as a legacy but make sure you have made a nomination. Decide how your CPF savings will be distributed when you pass on.
Wrong.....now RA account MUST be activated at 70 yrs old.
R u ceritied financial planner. If not simpy bs talk. If so please back up with data. Otherwise u are not helping those really need help
@@PHC-vg1muThose born before 1958 is under the Old retirement sum scheme (RSS). It provides a monthly payout (once you "trigger" the payout) to support a basic standard of living during retirement until your RA savings (not CPF annuity) run out or when you turn 90, whichever is earlier. Your children should be able to top up (replenish) to enjoy tax rebate if it is depleted, But the rule may have changed together (RSS) the closure of the CPF SA acct.
CPF life scheme was introduced in 2009. The slightly high payout (than Basic) starts @age 65. Payout can only delay till age70. Payout is for life. For those who are single or married (healthy) with no children, Not a heavy drinker & smoker, No "3 high" , families NO history of chronic disease & family's longevity gene (age 90). Standard plan is best suit for you.
Basic plan (payout less than std plan) is for those who want 1) leave some bequest money to the loves one. But take note at age90, bequest will be zero. 2) Heavy smoker & drinker, got all "3 HIGH", Got families history of chronic diseases & probably may not live >age85.
前提是否能活到那麼老。生活緊張，工作壓力…
CPF 常有汁到变 又常出新计到 向我们底层的人民耒说很多疑问因为真不知也不了解新计割太难了
去CPF局问一下
换政府 👍
生在福中不知福
腦袋有問題
Your idiotic mentality knows no bound as if chg govt utopia. I guarantee u chg govt, your home worthless, SGD becomes 3sgd 1 ringgit within a decade. The opp are total crap. The whole world knows Singapore has best public services ( this is not pap party). Opp instead of thinking how best to implement these public svc recommendations, throw spanners and talking garbage on alternatives as if they got the best solutions on earth
Thk God for wise government
只有少数的有200k在公积金😢不要画大饼😂 现在买了HDB 开始供时里面就没什么了。
没贷款呢😂😂😂😂。房子付清呢😂😂😂😂。加SA 250K以上呢😂😂😂😂😂😂。还不是要做工😂😂😂😂
谁买了HDB 后没加薪没花红?!😝
Auntie also go Batam keep women huh? LOL
CPF are for those who don't know how to manage their wealth. Stupid system.
如今世界多变，预期寿命82，83，但到后面还有多少生活质量就不好说了。
希望别跟日本一样七八十岁还得去便利店打工吧。
本地还有70 岁以上做清洁卫生工作，或者在快餐店打工，不然就是收纸箱，汽水罐去换钱。
马来西亚人：你们马来西亚的公积金和政府和我们的公积金和政府是不一样地，别代入！你们马来西亚人就这麽酸葡萄心理！
马币下的很够力😂
30年前，我投资可乐，现在你猜猜我有多少钱，比cpf 还多😂
你如果投资雷曼兄弟呢
投资有风险
你还没有🎉啊😂😂😂😂😂。通通烧给你啊😂
@@YenNeeYou 投资就是要接受风险。有风险才有高回报
@@Sinhaimin95 对！
所以你是运气好
不是每个人投资都赚钱
但！放在CPF稳定赚钱的
@YenNeeYou 十年前你投入nvidia,现在回报是100倍，cpf 能给你多少？
It is puzzling that the young man who does Foodpanda delivery is ignorant of various CPF schemes. Aiyo, young man, must know about CPF lah. It is very important - BTO, retirement, etc.
You think he do food delivery will woman want to marry him and buy BTO with him? Lol
They are brainless！
@@andyng5321 Yes, there will be. Women with similar qualifications will accept him.
@arcencielc2065 and perpetuate the misery to next generation?
活到老，还bills还到死。
So sad. What a pitiful life u had lived
70yo auntie has no clue why she's supporting CPF. I doubt she can even count.
安享晚年？，現在的老人就不用做工了。
你要工作，也要这国家有本事提供更多就业机会。
有C P F
你就有选择权了
要不要工作自己选！不是被生活所逼
明白吗？
希望我们人民都能过得好，每个月给我们人民钱咯！谢！
乞丐的心声吗？
@YenNeeYou 你不喜欢有钱拿吗？
@@spacek3516 基本常识！
先问一下！这錢什么来的
政府发给人民的錢什么来的
人无远虑 必有近忧