{"id":2383,"date":"2021-12-21T08:16:13","date_gmt":"2021-12-21T00:16:13","guid":{"rendered":"http:\/\/blog.zengqq.com.cn\/?p=2383"},"modified":"2021-12-21T08:16:15","modified_gmt":"2021-12-21T00:16:15","slug":"%e5%85%a8%e9%9d%a2%e8%a7%a3%e8%af%bb%e6%96%b0%e5%8a%a0%e5%9d%a1%e5%85%ac%e7%a7%af%e9%87%91%e5%88%b6%e5%ba%a6","status":"publish","type":"post","link":"https:\/\/blog.zengqq.com.cn\/?p=2383","title":{"rendered":"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6"},"content":{"rendered":"\n<p>\u65f6\u95f4\uff1a 2019-10-02<\/p>\n\n\n\n<p>\u516c\u79ef\u91d1\uff08Central Provident Fund\uff0cCPF\uff09\u662f\u4e00\u9879\u65b0\u52a0\u5761\u653f\u5e9c\u5efa\u7acb\u7684\u9762\u5411\u6240\u6709<strong>\u65b0\u52a0\u5761\u516c\u6c11\u548c\u6c38\u4e45\u5c45\u6c11<\/strong>\u7684\u793e\u4f1a\u4fdd\u969c<strong>\u50a8\u84c4\u8ba1\u5212<\/strong>\uff0c\u9700\u8981\u6bcf\u4e00\u4f4d\u53c2\u4e0e\u8005\u6309\u6708\u7f34\u7eb3\u3002<\/p>\n\n\n\n<p>\u7ecf\u8fc750\u591a\u5e74\u7684\u53d1\u5c55\uff0c\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\u73b0\u5df2\u53d1\u5c55\u4e3a\u5411\u793e\u4f1a\u6210\u5458\u63d0\u4f9b\u517b\u8001\u3001\u533b\u7597\u3001\u50a8\u84c4\u7b49\u4fdd\u969c\u9879\u76ee\u7684\u793e\u4f1a\u4fdd\u9669\u5236\u5ea6\uff0c\u5176\u8986\u76d6\u8303\u56f4\u4e5f\u4ece\u516c\u5171\u548c\u79c1\u4eba\u90e8\u95e8\u5185\u7684\u96c7\u5458\u6269\u5927\u5230\u81ea\u96c7\u8005\u3002<\/p>\n\n\n\n<p><strong>\u516c\u79ef\u91d1\u5982\u4f55\u4ea4\uff1f\u4ea4\u591a\u5c11\uff1f<\/strong><\/p>\n\n\n\n<p>\u5927\u5bb6\u6700\u5173\u5fc3\u7684\u95ee\u9898\u5e94\u8be5\u662f\u6bcf\u4e2a\u6708\u5de5\u8d44\u4f1a\u6709\u591a\u5c11\u653e\u8fdbCPF\u8d26\u6237\u3002\u5bf9\u4e8e\u53d7\u96c7\u4eba\u5458\uff0c\u6bcf\u6708\u7f34\u7eb3\u91d1\u989d\u5c06\u7531\u96c7\u4e3b\u548c\u96c7\u5458\u5171\u540c\u8d21\u732e\uff0c\u5176\u5206\u914d\u8ba1\u7b97\u5982\u4e0b\uff08\u6ce8\u6b64\u6570\u636e\u53ea\u9488\u5bf9\u65b0\u52a0\u5761\u516c\u6c11\u548c\u7b2c\u4e09\u5e74\u7684\u6c38\u4e45\u5c45\u6c11\uff0c\u7b2c\u4e00\u5e74\u548c\u7b2c\u4e8c\u5e74\u7684\u6c38\u4e45\u5c45\u6c11\u5206\u914d\u4f1a\u6709\u6240\u4e0d\u540c\uff0c\u5177\u4f53\u53ef\u767b\u5f55https:\/\/www.cpf.gov.sg \u6839\u636e\u81ea\u8eab\u4fe1\u606f\u8fdb\u884c\u67e5\u8be2\uff09\u3002<\/p>\n\n\n\n<p><strong>\u79c1\u4eba\u4f01\u4e1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.shicheng.news\/images\/image\/159\/15944516.webp?1585051910\" alt=\"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\"\/><\/figure>\n\n\n\n<p><strong>\u653f\u5e9c\u4f01\u4e1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.shicheng.news\/images\/image\/159\/15944517.webp?1580396356\" alt=\"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\"\/><\/figure>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u4e24\u4e2a\u5728\u79c1\u4eba\u4f01\u4e1a\u5de5\u4f5c\u7684\u65b0\u52a0\u5761\u4eba\u7684\u85aa\u6c34\u90fd\u662f2000\u65b0\u5e01\u6bcf\u6708\uff0c\u5e74\u9f84\u5206\u522b\u4e3a25\u5c81\u548c62\u5c81\uff0c\u5219\u4ed6\u4eec\u7684\u5de5\u8d44\u8868\u8ba1\u7b97\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.shicheng.news\/images\/image\/159\/15944518.webp?1580396356\" alt=\"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\"\/><\/figure>\n\n\n\n<p>\u8fd8\u9700\u6ce8\u610f\u7684\u662f\uff0c<strong>\u516c\u79ef\u91d1\u7f34\u7eb3\u7684\u5de5\u8d44\u9650\u989d\u4e3a\u6bcf\u67086000\u65b0\u5e01\uff0c\u5de5\u8d44\u8d85\u51fa6000\u90e8\u5206\u4e0d\u9700\u8981\u7f34\u7eb3\u516c\u79ef\u91d1\u3002<\/strong>\u6bd4\u5982\uff0c\u4f60\u5728\u79c1\u4eba\u4f01\u4e1a\u5de5\u4f5c\uff0c\u6bcf\u6708\u5de5\u8d44\u4e3a7000\u65b0\u5e01\uff0c\u90a3\u4e48\u6309\u7167\u4e0a\u96506000\u7f34\u7eb3\u516c\u79ef\u91d1\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.shicheng.news\/images\/image\/159\/15944519.webp?1580396356\" alt=\"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\"\/><\/figure>\n\n\n\n<p>\u6b64\u5916\uff0c<strong>\u56fa\u5b9a\u5de5\u8d44\u4e4b\u5916\u7684\u5956\u91d1\u4e5f\u662f\u8981\u7f34\u7eb3\u516c\u79ef\u91d1\u7684<\/strong>\uff0c\u6bcf\u4e2a\u4eba\u6bcf\u5e74\u7f34\u7eb3\u516c\u79ef\u91d1\u7684\u603b\u6536\u5165\u4e0a\u9650\u662f102,000\u65b0\u5e01\u3002 \u6bd4\u5982\uff0cAmy\u7684\u6708\u5de5\u8d44\u662f6,000\uff0c\u5e74\u5e95\u5956\u91d1\u4e3a35,000\u3002\u90a3\u4e48\u5956\u91d1\u90e8\u5206\u6709\u591a\u5c11\u9700\u8981\u7f34\u7eb3\u516c\u79ef\u91d1\u5462\uff1f $102,000 \u2013 ($6,000 X 12) = $30,000\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u5956\u91d1\u90e8\u5206\u768430,000\u65b0\u5e01\u9700\u8981\u6309\u7167\u6bd4\u4f8b\u7f34\u7eb3\u516c\u79ef\u91d1\uff0c\u5956\u91d1\u90e8\u5206\u76845,000\u65b0\u5e01\u8d85\u51fa\u4e2a\u4eba\u5e74\u5ea6\u4e0a\u9650\uff0c\u8fd9\u90e8\u5206\u4e0d\u9700\u8981\u7f34\u7eb3\u516c\u79ef\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.shicheng.news\/images\/image\/159\/15944520.webp?1585051910\" alt=\"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\"\/><\/figure>\n\n\n\n<p>\u5e94\u7f34\u7eb3\u53ca\u4e0d\u5fc5\u7f34\u7eb3\u516c\u79ef\u91d1\u7684\u85aa\u91d1\u7c7b\u578b<\/p>\n\n\n\n<p>\u96c7\u4e3b\u4e3a\u96c7\u5458\u7f34\u7eb3\u516c\u79ef\u91d1\uff0c\u6bcf\u6708\u90fd\u670914\u5929\u5bbd\u9650\u671f\u3002\u5982\u679c\u5bbd\u9650\u671f\u7684\u7b2c14\u5929\u843d\u5728\u661f\u671f\u516d\u3001\u661f\u671f\u5929\u6216\u516c\u5171\u5047\u671f\uff0c\u96c7\u4e3b\u53ef\u5728\u9694\u5929\u7684\u5de5\u4f5c\u65e5\u7f34\u7eb3\u3002\u4f8b\u5982\uff0c2019\u5e748\u6708\u7684\u516c\u79ef\u91d1\u9700\u8981\u57282019\u5e749\u670814\u65e5\u665a\u4e0a23:59\u5206\u4e4b\u524d\u63d0\u4ea4\u5b8c\u6210\u3002<\/p>\n\n\n\n<p><strong>\u7f34\u7eb3\u7684\u516c\u79ef\u91d1\u5b58\u5728\u54ea\u91cc\uff1f<\/strong><\/p>\n\n\n\n<p>\u65e2\u7136\u4ea4\u4e86\u516c\u79ef\u91d1\uff0c\u90a3\u5b83\u88ab\u653e\u8fdb\u54ea\u91cc\u5462\uff1f<\/p>\n\n\n\n<p>\u516c\u79ef\u91d1\u5206\u8bbe\u4e86\u56db\u4e2a\u8d26\u6237\uff1a<\/p>\n\n\n\n<p><strong>\u666e\u901a\u8d26\u6237(Ordinary Account)<\/strong>&nbsp;: \u666e\u901a\u8d26\u6237\u7684\u516c\u79ef\u91d1\u53ef\u7528\u4e8e<strong>\u8d2d\u7f6e\u653f\u5e9c\u7ec4\u5408\u623f\u5c4b<\/strong>(\u7b80\u79f0\u7ec4\u5c4b)<strong>\u548cprivate properties<\/strong>(\u79c1\u4eba\u623f\u5730\u4ea7\uff0c\u6bd4\u5982\u516c\u5bd3\uff0c\u6392\u623f\u548c\u522b\u5885\u7b49\u7b49)\u3001\u652f\u4ed8\u516c\u79ef\u91d1<strong>\u4fdd\u9669<\/strong>\u3001\u5b50\u5973<strong>\u6559\u80b2<\/strong>\u652f\u51fa\u3001\u4fe1\u6258\u80a1\u7968<strong>\u6295\u8d44<\/strong>\u7b49\uff1b<\/p>\n\n\n\n<p><strong>\u4e13\u95e8\u8d26\u6237(Special Account)&nbsp;<\/strong>: \u4e13\u95e8\u8d26\u6237\u7528\u4e8e\u4e3a\u516c\u79ef\u91d1\u6210\u5458<strong>\u79ef\u7d2f\u9000\u4f11\u91d1\uff0c\u63d0\u4f9b\u517b\u8001\u4fdd\u969c<\/strong>\uff0c\u6295\u8d44\u4e0e\u9000\u4f11\u751f\u6d3b\u6709\u5173\u7684\u91d1\u878d\u4ea7\u54c1\u3002<\/p>\n\n\n\n<p><strong>\u533b\u7597\u50a8\u84c4\u8d26\u6237(Medisave Account)<\/strong>&nbsp;: \u533b\u7597\u50a8\u84c4\u8d26\u6237\u4e3a\u516c\u79ef\u91d1\u6210\u5458\u53ca\u5176\u76f4\u7cfb\u4eb2\u5c5e<strong>\u652f\u4ed8\u4f4f\u9662\u3001\u95e8\u8bca\u533b\u7597\u670d\u52a1\u3001\u7f34\u7eb3\u75be\u75c5\u4fdd\u9669\u8d39\u7b49<\/strong>\u3002<\/p>\n\n\n\n<p><strong>\u9000\u4f11\u8d26\u6237(Retirement Account)<\/strong><strong>\uff1a<\/strong>&nbsp;\u8d44\u91d1\u6765\u6e90\u4e8e\u4e13\u95e8\u8d26\u6237\uff0c<strong>\u5728\u6210\u5458\u5e74\u6ee155 \u5468\u5c81\u65f6\u5efa\u7acb\uff0c\u5e74\u6ee162 \u5c81\u65f6\u5f00\u59cb\u652f\u4ed8\u517b\u8001\u91d1<\/strong>\u3002<\/p>\n\n\n\n<p><strong>\u5404\u8d26\u6237\u6708\u85aa\u5206\u914d\u767e\u5206\u6bd4\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.shicheng.news\/images\/image\/159\/15944521.webp?1589859862\" alt=\"\u5168\u9762\u89e3\u8bfb\u65b0\u52a0\u5761\u516c\u79ef\u91d1\u5236\u5ea6\"\/><\/figure>\n\n\n\n<p>\u53ef\u4ee5\u770b\u51fa\uff0c\u516c\u79ef\u91d1\u7f34\u7eb3\u7684\u5927\u90e8\u5206\u90fd\u4f1a\u8fdb\u5165\u666e\u901a\u8d26\u6237\uff0c\u5c11\u90e8\u5206\u653e\u5165\u7279\u522b\u8d26\u6237\u548c\u533b\u7597\u50a8\u84c4\u8d26\u6237\u3002<\/p>\n\n\n\n<p><strong>\u666e\u901a\u8d26\u6237\u3001\u4e13\u95e8\u8d26\u6237\u3001\u533b\u7597\u50a8\u84c4\u8d26\u6237\u8fd9\u4e09\u4e2a\u6237\u5934\u6709\u4e9b\u50cf\u94f6\u884c\u6237\u5934\uff0c\u6bcf\u4e2a\u6237\u5934\u90fd\u6709\u5229\u606f\u3002\u5229\u7387\u90fd\u6bd4\u672c\u5730\u94f6\u884c\u9ad8\uff0c\u5e76\u4e14\u662f\u5e74\u590d\u5229(annual compound interest)\u3002\u76ee\u524dOA \u7684\u5e74\u590d\u5229\u4e3a 2.5%, SA\u4e3a4%, MA\u4e3a4%.<\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u65b0\u52a0\u5761\u4eba\u5728\u53bb\u4e16\u65f6\uff0c\u516c\u79ef\u91d1\u5b58\u6b3e\u6ca1\u6709\u63d0\u53d6\u5b8c\uff0c\u53ef\u4ee5\u5168\u90e8\u5206\u914d\u7ed9\u5b50\u5973\u6216\u4efb\u4f55\u6307\u5b9a\u7684\u53d7\u76ca\u4eba\u3002<\/p>\n\n\n\n<p>\u65b0\u52a0\u5761\u7684\u6c38\u4e45\u5c45\u6c11\uff0c\u5728\u9000\u6389\u6c38\u4e45\u5c45\u6c11\u8eab\u4efd\u65f6\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u53d6\u51fa\u6240\u6709\u516c\u79ef\u91d1\u4f59\u989d\uff0c\u5305\u62ec\u666e\u901a\u8d26\u6237\uff0c\u7279\u522b\u8d26\u6237\u548c\u533b\u7597\u50a8\u84c4\u8d26\u6237\u3002<\/p>\n\n\n\n<p><strong>\u4e09\u4e2a\u8d26\u6237\u7684\u5177\u4f53\u7528\u9014<\/strong><\/p>\n\n\n\n<p><strong>1<\/strong><\/p>\n\n\n\n<p><strong>\u666e\u901a\u8d26\u6237\uff08Ordinary Account\uff09<\/strong><\/p>\n\n\n\n<p><strong>\u53ef\u4ee5\u7528\u6765\u8fd8\u623f\u8d37\uff0c\u6295\u8d44\uff0c\u8fd8\u6709\u652f\u4ed8\u81ea\u5df1\u6216\u5b50\u5973\u7684\u6559\u80b2\u8d39\uff08\u5b66\u8d39\u8fd8\u6709\u5176\u4ed6\u6279\u51c6\u7684\u5b66\u6821\u6d3b\u52a8\uff09\u3002<\/strong><\/p>\n\n\n\n<p><strong>\u7528OA\u4ed8\u623f\u8d37<\/strong><\/p>\n\n\n\n<p>\u53ef\u4ee5\u4ed8HDB\uff08\u653f\u5e9c\u7ec4\u5c4b\uff09\u548cprivate properties(\u79c1\u4eba\u623f\u5730\u4ea7\uff0c\u6bd4\u5982\u516c\u5bd3\uff0c\u6392\u623f\u548c\u522b\u5885\u7b49\u7b49)\u7684\u623f\u8d37\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u7528OA\u4ed8HDB\u7684\u623f\u8d37\uff0c\u653f\u5e9c\u8981\u6c42\u5fc5\u987b\u4e70Home Protection Scheme(HPS)\u3002HPS\u662f\u4e00\u79cdmortgage reducing insurance\u623f\u8d37\u4fdd\u9669\uff0c\u5982\u679c\u53d7\u4fdd\u4eba\u8eab\u4ea1\u6216\u8005\u7ec8\u751f\u6c38\u4e45\u6b8b\u75be\uff0c\u5269\u4e0b\u7684\u623f\u8d37\u5c31\u514d\u7f34\u3002\u6bcf\u5e74\u4eceOA\u91cc\u6263\u4fdd\u8d39\uff0c\u5982\u679c\u91d1\u989d\u4e0d\u591f\uff0c\u4f1a\u8981\u6c42\u7528\u73b0\u91d1\u652f\u4ed8\u3002\u5e74\u4fdd\u8d39\u662f\u6309\u7167\u623f\u8d37\u91d1\u989d\uff0c\u623f\u8d37\u671f\u9650\uff0c\u53d7\u4fdd\u4eba\u5e74\u9f84\u6027\u522b\u7b49\u7b49\u6761\u4ef6\u8ba1\u7b97\u3002\u53ef\u4ee5\u5230CPF\u5b98\u7f51\u8ba1\u7b97\u5e74\u4fdd\u8d39\uff1a<\/p>\n\n\n\n<p>\u5f53\u7136\u5982\u679c\u4f60\u5df2\u7ecf\u4ece\u5176\u4ed6\u4fdd\u9669\u516c\u53f8\u4e70\u4e86mortgage reducing insurance, \u7ec8\u8eab\u4eba\u5bff\u4fdd\u9669(whole life)\uff0c\u517b\u8001\u4fdd\u9669\u57fa\u91d1(endowments), HPS\u53ef\u4ee5\u514d\u9664\u3002\u5177\u4f53\u514d\u9664\u624b\u7eed\u8868\u683c\u8bf7\u67e5\u770bCPF\u5b98\u7f51\u3002<\/p>\n\n\n\n<p><strong>\u7528OA\u6295\u8d44<\/strong><\/p>\n\n\n\n<p>CPF\u7528\u6237\u53ef\u4ee5\u9009\u62e9\u52a0\u5165CPF\u6295\u8d44\u8ba1\u5212investment scheme (CPFIS) \u3002OA\u548cSA\u90fd\u53ef\u4ee5\u7528\u6765\u6295\u8d44\uff0c\u5206\u522b\u662fCPFIS-OA\u548cCPFIS-SA\u3002\u6295\u8d44\u65b9\u5411\u5f88\u591a\uff0c\u53ef\u4ee5\u662f\u6bd4\u8f83\u4fdd\u9669\u7684\uff0c\u4e5f\u53ef\u662f\u6709\u98ce\u9669\u7684\u80a1\u7968\u5e02\u573a\u7b49\u7b49\u3002\u4e5f\u53ef\u4ee5\u901a\u8fc7\u4fdd\u9669\u516c\u53f8\u4e70investment-link products\uff0c\u5b9a\u671f\u5206\u7ea2\uff0c\u98ce\u9669\u76f8\u5bf9\u5c0f\u4e00\u4e9b\uff0c\u5bf9\u4e8e\u4e0d\u719f\u6089\u6295\u8d44\u5e02\u573a\uff0c\u7f3a\u4e4f\u6295\u8d44\u7ecf\u9a8c\u7684\u4eba\u6765\u8bf4\u662f\u4e0d\u9519\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p><strong>\u7528OA\u4ed8\u6559\u80b2\u8d39<\/strong><\/p>\n\n\n\n<p>\u53ef\u4ee5\u7528OA\u652f\u4ed8\u81ea\u5df1\uff0c\u914d\u5076\u8fd8\u6709\u5b50\u5973\u7684\u5b66\u8d39\u3002<\/p>\n\n\n\n<p>2<\/p>\n\n\n\n<p><strong>\u7279\u522b\u8d26\u6237\uff08Special Account\uff09<\/strong><\/p>\n\n\n\n<p><strong>\u4e3b\u8981\u662f\u79ef\u7d2f\u517b\u8001\u91d1\uff0c\u8001\u5e74\u9000\u4f11\u7528\u3002\u4e5f\u53ef\u4ee5\u6295\u8d44\u9000\u4f11\u76f8\u5173\u7684\u91d1\u878d\u4ea7\u54c1\u3002\u5982\u679c\u8981\u7528SA\u6295\u8d44\uff0c\u9700\u52a0\u5165CPFIS-SA\u8ba1\u5212\u3002<\/strong><\/p>\n\n\n\n<p>\u5e74\u8f7b\u7684\u65f6\u5019\u8fd9\u4e2a\u8d26\u6237\u8c8c\u4f3c\u6ca1\u6709\u5f88\u5927\u7528\u5904\u30022003\u5e74\u524d\u4e70\u7684\u623f\u5730\u4ea7\u53ef\u4ee5\u7528\u8fd9\u4e2a\u8d26\u6237\u8fd8\u623f\u8d37\u3002\u4f46\u662f\u4e4b\u540e\u653f\u7b56\u53d8\u52a8\uff0cSA\u4e0d\u80fd\u7528\u6765\u8fd8\u623f\u8d37\u4e86\u3002\u6709\u4e9b\u6682\u65f6\u4e0d\u6253\u7b97\u4e70\u623f\u5730\u4ea7\u7684\u5e74\u8f7b\u4eba\uff0c\u6216\u8005\u4e0d\u600e\u4e48\u7528OA\u7684\uff0c\u4f1a\u628aOA\u5168\u90e8\u6216\u8005\u90e8\u5206\u7684\u94b1\u8f6c\u5230SA\uff0c\u4ee5\u83b7\u53d6\u66f4\u9ad8\u7684\u5229\u606f\u3002\u4f46\u662f<strong>\u53ea\u6709\u5728\u6cd5\u5b9a\u9000\u4f11\u5e74\u9f84\u4e4b\u524d\u624d\u80fd\u628aOA\u91cc\u7684\u5b58\u6b3e\u8f6c\u5230SA\uff0c\u56e0\u4e3a\u5230\u6cd5\u5b9a\u5e74\u9f84\u65f6\uff08\u76ee\u524d\u662f55\u5c81\uff09\uff0cSA\u4f1a\u4e0eOA\u5408\u5e76\u6210\u9000\u4f11\u8d26\u6237\uff08retirement account\uff09<\/strong><\/p>\n\n\n\n<p>\u6700\u91cd\u8981\u7684\u4e00\u70b9\u662f\uff0cOA\u7684\u94b1\u53ef\u4ee5\u8f6c\u5165SA\uff0c\u4f46\u662fSA\u7684\u94b1\u662f\u4e0d\u80fd\u8f6c\u5165OA\u7684\u3002\u8981\u4eceOA\u8f6c\u94b1\u8fdbSA\uff0c\u5fc5\u987b\u7b26\u5408\u4ee5\u4e0b\u4e24\u4e2a\u8981\u6c42\uff1a1. \u5fc5\u987b\u5728\u6cd5\u5b9a\u5e74\u9f84\u4e4b\u524d\uff0c\u537355\u5c81\u30022. \u8f6c\u94b1\u4e4b\u540e\uff0cSA\u91cc\u7684\u5b58\u6b3e\u4e0d\u80fd\u8d85\u8fc7\u6cd5\u5b9a\u8981\u6c42\u7684\u5b58\u6b3e\u5e95\u9650\uff08CPF Minimum Sum\uff09\u3002\u8fd9\u4e2a\u5b58\u6b3e\u5e95\u9650\u6bcf\u5e74\u90fd\u4f1a\u5411\u4e0a\u8c03\u6574\u3002<\/p>\n\n\n\n<p>\u5982\u4e0a\u8ff0\u6240\u8bf4\uff0c\u5230\u4e86\u6cd5\u5b9a\u5e74\u9f84\uff0c\u537355\u5c81\uff08\u4ee5\u540e\u53ef\u80fd\u4f1a\u5f80\u4e0a\u8c03\uff09\uff0cOA\u548cSA\u5c31\u4f1a\u5408\u5e76\u4e3aRetirement Account \u9000\u4f11\u6237\u5934(RA)\uff0c\u5e74\u590d\u5229\u4e3a4%\u3002CPF\u6237\u4e3b\u53ef\u4ee5\u4eceRetirement Account\u91cc\u53d6\u51fa\u8d85\u51fa\u5b58\u6b3e\u5e95\u9650 \uff08\u4e5f\u5c31\u662f\u653f\u5e9c\u5b9a\u7684\u6700\u4f4e\u517b\u8001\u5b58\u6b3e\uff0c\u76ee\u524d\u4e3a148\uff0c000\u65b0\u5e01\uff09\u7684\u94b1\u3002<\/p>\n\n\n\n<p>\u90a3\u4e48\u5230\u4e8655\u5c81\uff0cRetirement Account\u91cc\u9762\u7684\u6700\u4f4e\u5b58\u6b3e\u600e\u6837\u624d\u80fd\u63d0\u53d6\u5462\uff1f<\/p>\n\n\n\n<p>Retirement Account\u91cc\u9762\u7684\u6700\u4f4e\u5b58\u6b3e\u4e0d\u80fd\u4e00\u6b21\u63d0\u53d6\uff0c\u4f46\u662f\u53ef\u4ee5\u901a\u8fc7\u52a0\u5165\u7ec8\u8eab\u5165\u606f\u8ba1\u5212\uff08CPF LIFE\uff09\u9010\u6b65\u63d0\u53d6\u3002<\/p>\n\n\n\n<p>\u52a0\u5165\u7ec8\u8eab\u5165\u606f\u8ba1\u5212\uff0c\u9700\u6ee1\u8db3\u4ee5\u4e0b\u51e0\u4e2a\u6761\u4ef6\uff1aa) \u5fc5\u987b\u662f\u6709CPF\u8d26\u6237\u7684\u65b0\u52a0\u5761\u516c\u6c11\u548c\u6c38\u4e45\u5c45\u6c11\uff0c b) \u7533\u8bf7\u52a0\u5165\u7ec8\u8eab\u5165\u606f\u8ba1\u5212\u7684CPF\u6237\u4e3b\u5fc5\u987b\u572855\u5c81\u523080\u5c81\u4e4b\u95f4\uff0cc) Retirement Account\uff08\u9000\u4f11\u6237\u5934\uff09\u91cc\u5fc5\u987b\u6709\u4e00\u5b9a\u7684\u5b58\u6b3e\u3002<\/p>\n\n\n\n<p>\u7ec8\u8eab\u5165\u606f\u8ba1\u5212\u5c31\u662f\u4ece\u6cd5\u5b9a\u7684\u517b\u8001\u5e74\u9f84\u5f00\u59cb\uff08\u76ee\u524d\u662f62\u5c81\uff09\u5230\u79bb\u5f00\u4eba\u4e16\uff0cCPF\u6237\u4e3b\u6bcf\u4e2a\u6708\u53ef\u4ee5\u4ece\u9000\u4f11\u6237\u5934\u91cc\u53d6\u51fa\u4e00\u5b9a\u6570\u989d\u7684\u517b\u8001\u91d1(monthly payout)\u3002\u5982\u679c\u79bb\u5f00\u4eba\u4e16\u65f6\uff0c\u6237\u4e3b\u7684\u9000\u4f11\u6237\u5934\u91cc\u8fd8\u6709\u4f59\u989d\uff0c\u8fd9\u7b14\u4f59\u989d\uff08bequest\uff09\u5c06\u7ed9\u4e88\u6237\u4e3b\u751f\u524d\u5b9a\u7684\u7ee7\u627f\u4eba\u3002\u7ec8\u8eab\u5165\u606f\u8ba1\u5212\u67094\u79cd\uff0c\u533a\u522b\u5728\u4e8e\u6bcf\u6708\u63d0\u53d6\u7684\u517b\u8001\u91d1\u4e0a\u9650\u6570\u989d\u3002\u5f53\u7136\u6bcf\u6708\u80fd\u63d0\u53d6\u7684\u517b\u8001\u91d1\u8d8a\u591a\uff0c\u5269\u4e0b\u7ed9\u7ee7\u627f\u4eba\u7684\u9057\u4ea7\u5c31\u8d8a\u5c11\u3002\u4ece2013\u5e741\u67081\u65e5\u8d77\uff0c\u7b26\u5408\u6761\u4ef6\u7684CPF\u7528\u6237\u5c06\u5f3a\u5236\u6027\u52a0\u5165\u7ec8\u8eab\u5165\u606f\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>3<\/p>\n\n\n\n<p><strong>\u533b\u7597\u8d26\u6237\uff08Medisave Account\uff09<\/strong><\/p>\n\n\n\n<p><strong>\u4e3b\u8981\u7528\u4e8e\u533b\u7597\u9700\u8981\uff0c\u53ef\u7528\u6765\u4e70\u533b\u7597\u4fdd\u9669(\u53ef\u4ee5\u4e3a\u81ea\u5df1\u3001\u914d\u5076\u3001\u5b50\u5973\u3001\u7236\u6bcd\u3001\u662f\u65b0\u52a0\u5761\u5c45\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u7684\u7956\u7236\u6bcd\u4e70)\uff0c\u5e2e\u52a9\u65b0\u52a0\u5761\u5c45\u6c11\u548c\u6c38\u4e45\u5c45\u6c11\u652f\u4ed8\u533b\u9662\u7684\u75c5\u5e8a\u8d39\uff0c\u95e8\u8bca\u8d39\uff0c\u624b\u672f\u8d39\u6cbb\u7597\u8d39\u4ee5\u53ca\u67d0\u4e9b\u83b7\u6279\u51c6\u7684\u533b\u9662\u7684\u4fdd\u5065\u8d39\u3002<\/strong><\/p>\n\n\n\n<p><strong>\u7528MA\u4ed8Medishield \uff08\u5065\u4fdd\u53cc\u5168\u8ba1\u5212\uff09\u4fdd\u8d39<\/strong><\/p>\n\n\n\n<p>\u6bcf\u4e2aCPF\u7528\u6237\u90fd\u4f1a\u6709\u4e00\u9879\u57fa\u672c\u7684\u533b\u7597\u4fdd\u9669\uff0c\u90a3\u5c31\u662fMedishield (\u5065\u4fdd\u53cc\u5168\u8ba1\u5212)\u3002\u4fdd\u8d39\u7528MA\u91cc\u7684\u94b1\u4ed8\u3002\u5065\u4fdd\u53cc\u5168\u8ba1\u5212\u662f\u4e00\u9879\u81ea\u613f\u9000\u51fa\u8ba1\u5212\u3002\u6362\u800c\u8a00\u4e4b\uff0c\u9664\u975e\u4e3b\u52a8\u9009\u62e9\u9000\u51fa\u3002\u4ece 2007\u5e7412\u67081\u65e5\u8d77\uff0c\u6240\u6709\u65b0\u751f\u5a74\u513f\u81ea\u52a8\u52a0\u5165\u5065\u4fdd\u53cc\u5168\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>\u5173\u4e8eMedishield\u7684\u6761\u6761\u6b3e\u6b3e\u6bd4\u8f83\u591a\uff0c\u9700\u8981\u6307\u51fa\u91cd\u8981\u7684\u51e0\u70b9\uff1a<\/p>\n\n\n\n<p>\u5982\u679c\u662fself-employed, 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deductible, co-insurance. 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