十分访谈：55岁后，该提取公积金储蓄吗？

Рет қаралды 115,389

8world

5 жыл бұрын

2018年9月12日播出超过一半国人55岁后，选择提取公积金储蓄。这笔存款该如何妥善规划？

Пікірлер: 100

@rainsu103 3 жыл бұрын

Actually if not in use, ppl shld leave it in their cpf as after 55, they can withdraw anytime so long they have BRS (with property) and FRS (without property) and up to 6% interest. If take out, can you ensure bank give the same rate which I don't think so...and I think govt has did a great job to help us save for our future, with more discipline, dun anyhow spend else when old there wun be any $ left..

@kcchiew4247 5 жыл бұрын

内子和我的公积金户口（OA+SA）都已经有超过FRS的数额，我们在55岁后不会把剩余的钱都一次过提出来，将会留在CPF慢慢花。至于拨去RA的钱，内子将保留FRS数额选standard plan，我则会保留ERS数额，可能选standard plan或escalating plan。

@patrixpek2548 4 жыл бұрын

Not the plan suitable for everyone.especially those Singaporean with medical grounds permanentky reaches 55 year,unable to work any ore ,how to contribute money into their accounts.The Sg gov or the CPF board under one roof ,refuse to return money back to the owner for their daily expenses.transportation.n medical fees at all.Ww don't need the board to babysit our funds,that is our hard earned money,we are all adults grown ups,we do not own the CPF board anything ,why do I need them to monitor my life,n my medical health.if I do not even had my own money transfer into my bank account for my daily bread n butter.

@tankib 3 жыл бұрын

Really depend what you need when u reach 55, many not agree and want to draw out all the money but when u cannot control the spending then spend off all the money in a short period of time within 5 years, and depend on the average life span of Singaporean, u still have another 20 years to live without money....then cpf need to do something to get help majority to have enough cash till their old age like 85 to 90

@kcchiew4247 3 жыл бұрын

@@tankib That were my previous plans. 如今的计划，接下来一，两年内我们会存入ERS的数额，在65岁时应该会加入Escalating plan。虽然初期每月年金比较少，但我们已经买几份保险公司的年金，也是从60~65岁开始每月提钱，长达10~20年，足够让我两在65岁时总共有4~5千的年金月入。直到其中一人“离开”为止才会减少。

@kcchiew4247 4 жыл бұрын

我会在55岁时往退休户口放入ERS数额，也许之后每年会存入更多款项进退休户口，视自己的健康情况而定。（单靠退休户口的利息，不足够填满每年ERS的增幅数额。为了让自己65岁时能拿到更多年金，量力而为的cpf储蓄还是需要的。）

@haroldlbc 5 жыл бұрын

提得出吗？

@wengkwongwong2689 5 жыл бұрын

6% interest no joke............i will leave it in the CPF account....But why only the first 30K????.....

@A0078688 3 жыл бұрын

陈小姐说话一板一眼好有意思

@user-py1qk2gd9t Жыл бұрын

我是马来西亚华人今年56岁，回去马来西亚30年，1986年在新加坡注册了cpf户口，请问我要如何操作呢？请问有关部门的联系方式是什么？谢谢

@Mohamad9ful 5 жыл бұрын

会投资的话私人存款比公积金还多，不会投资突然发财开始投资一般给骗光光😁😂

@peterlai6503 7 ай бұрын

Overall advantages more then disadvantages the plan is good for the country but 5k at 55 should consider increase to 10k.

@768jefiline7 2 жыл бұрын

55岁一点钱都没有可以提取多少?

@user-rz9wf6hm4r 4 жыл бұрын

那些人这种误解其实是不懂什么是可持续性的原因。当一个人每个月想有两千元可花的话。只要拿一百万赚取2.5%利息收入就可以了，又保本又有钱可以花。可是并不是每个人都有一百万，所以要如何达到目标呢？不存难道等老天爷给你中大奖吗？年轻就是要努力耕耘，不然如何享受退休生活又可以保持生活质量？

@anglo-saxonconnor817 5 жыл бұрын

Do you know when you put your money in Cpf what will Cpf do to your money? Well for a start most of the money in Cpf oa will go into your property lease through monthly mortgage payments and once the lease is up your house value will become zero and taken back by the state while the actual money in Cpf oa go to the developers themselves. Just save yourselves the grief and put the money in private annuity plans instead. At least you can still see it in full with interests and bonus when the time limit is up rather than trap in Cpf forever due to minimum sum regulation.

@user-wu3it2wh4o 5 жыл бұрын

The board has rights to interfere the management of funds after one reaches 55. A promise is a promise, just return the money to its rightful owner.

@getay8789 2 жыл бұрын

别想了这么美当把钱花光了时候你会帮助他吗？

@williamlai9995 Жыл бұрын

⁷q

@viviennesu4714 Жыл бұрын

要等到93 才可以拿吗 ?

@user-qs5by1ek7y 5 жыл бұрын

中国的公积金制度是和新加坡学的，不是强制交的，就算交了也可以每个月提出，养老保险要交十五年，这个就是强制交的啦，十五年以后就不用交了，当然你交的多领的也多，等到退休那一天就可以按月领退休金了

@HealingRedHeart 3 жыл бұрын

谢谢分享。

@fool1124 Жыл бұрын

你的话前后矛盾哦新加坡公积金是强制的不可提出直到55岁也没有15年限制。再说新加坡的公积金覆盖面很广哦，中国很多人没有交公积金。

@user-angfong1985 Жыл бұрын

片子

@sunnychen9949 5 жыл бұрын

为何不能由退休老人自己决定和自由提出自己的錢。

@getay8789 2 жыл бұрын

因为老人家不会管理会把钱花光，不然就给自己的儿女拿走了。

@kujuakusg 2 жыл бұрын

因为政府不相信老人家的决定，也是避免这些老人如果钱花光了需要靠政府

@laisowfong Жыл бұрын

怕老男人被女人骗，怕来老女人被男人骗，怕在网上电话诈骗，怕骗去投资回报几倍，怕去赌场输掉了，怕买股票亏掉, 所以。。。

@stevenong2863 4 жыл бұрын

公积金局无法看到老百姓的问题🤣，我也是会员，只能说难过与失望🤣

@moonstars6279 2 жыл бұрын

Suggest return to those who owns a flat this way govt should not worry tat they are homeless when no$ pls consider tku

@andrewheng8200 2 жыл бұрын

I believe sinkies are more worried that pap government will kick in the law not to allow withdrawal as and when we like.... Once bitten for full withdrawal at 55 was a painful unreasonable thing to do to their people... Just becos few men used their cpf on women becomes the yardstick pap used as a reason... Did these people ask pap for help? Did these people spent away alot? These people's cpf might not be alot compared to those who really need and want to withdraw full cpf!! Given your people their choice to choose

@tankeelock2978 3 жыл бұрын

妳你们还年轻，虽对55岁后热心关怀着想，基本上好的心态，但问题是，会员之前的工资不同存款和生活状况差距太大。，问题是层层面面。为什么这公积金我要说些话，是这公积金将是PAP在选举会被利用来刺激普民怨气情绪，不是普遍大学生公务员可以深度了解。关于五种调查数据，是有多少会员的心态？建议第一线股票，但还是有点风险存在人心难测。在盲目投资，这是大风险，不过可以帮助转到风险低，因为你妳们没有这种概念。

@tankeelock2978 3 жыл бұрын

关于5000元可以全部取回，在2017年10月，我就不可以取回，到底是肚子填饱重要度过难关，还是公积金的人为条规重要，当然这是极少数，可是本质上是钱是会员自己的呀

@linyingwong13 Жыл бұрын

听你说话都辛苦，磕磕绊绊的

@sunnychen1895 5 жыл бұрын

是否星加坡人不会理財？要政府耒管？

@sunnychen9949 4 жыл бұрын

如果能提出相信好多人会到第三国家退休。

@janicephoenix6150 4 жыл бұрын

哪里都有不会理财的人。新加坡政府太负责太操心，扮演一个大家长的角色。

@kells5778 2 жыл бұрын

@@sunnychen9949 人老了就该居住在环境安全，亲朋戚友环绕，医疗设施先进，衣食住行都方便的地方。离乡背景跑到陌生环境生活，不是跟自己过不去吗？现在还瘟疫肆虐哪。

@kells5778 2 жыл бұрын

@@sunnychen9949 政府也没管控，他们就担心老人家，为他们指引，教育国民，提供选择。不好吗？你的国家有从你年轻就为你做长远的规划吗?

@user-gi2yp6bs2w 2 жыл бұрын

@@sunnychen9949 去寮国吧！那里不错，民生纯辅！

@store5512 5 жыл бұрын

美女主播啊現在肯定钱💰不够啦！政府应该推荐更多计划和更多福利给退休的人民！😅😍😘💖💗💓

@user-ws7mj8jw8v 5 жыл бұрын

我从前自己开小什货店，那时候证府说五十五岁就能提出CPf，所以就进CPf，那里知道五十五岁到了切不能拿，气死我了。拿去卖股票全没了。拿出来吃饭不行。拿出来做生意不行。為何能拿來卖股票呢？

@kohkinpeng4897 3 жыл бұрын

Srs

@johnng6554 3 жыл бұрын

不需要了我们也不是小孩子，你们高薪当然不会怎样有存钱对吗，对于普通的人民来说这笔钱是很重要的，对吗！我们的生死也不是你來控制的！对吗！是生是死总算劳碌一辈子，拿到这笔钱，死了也对自己有个交代，对吗！安息吧！

@xavierchin5762 Жыл бұрын

就是因为你们不会控制，乱乱花，没钱了就来找政府部门。最后还不是用我们的tax money like 养你们我们有能力不代表我们需要为你们的无能买单

@sunnychen1895 5 жыл бұрын

退休金是工人的幸苦錢。为何不能全提出？为何不能与大马一样自由提出。

@veronham61 4 жыл бұрын

55岁就可以从ordinary account提出来了，只要退休存款(retirement fund)足够，剩下的可以全部提出来的。那些不能从ordinary acc (OA)提出来的，也许是因为退休存款(retirement fund)不够，必须从OA转过去,剩下的才可以提出来。退休存款里的钱是在65岁时，每个月拨一部分钱给会员。

@sookw1071 3 жыл бұрын

让你全提出，你还没老，钱不是用光就是被人骗光。如果新加坡和大马一样，两国的兑换率就不会·从1.5到3.0. 哈哈，你好幼稚。

@moonstars6279 2 жыл бұрын

Ya lor after retirement we wan to pamper ourself for some good food or holiday. We can't live upto 80.. medical also expensive only 200 to deduct a year balance and medication needs CASH to pay. How? Even we die our Cpf$ also pass on to children and they get to enjoy our $ so y not we are the ones to enjoy our own hard earned $ instead. Very upset 😔

@fool1124 Жыл бұрын

怕你钱花光人还没死

@pualongwei3128 3 жыл бұрын

55岁把钱提出来转去银行户口是怕政府改变政策把年龄提高到60， 65 or 70 etc

@getay8789 2 жыл бұрын

因为很多老人家不会管理财务，拿出来了没有几年就花光了。

@Mc-on8tt 2 жыл бұрын

假设你在七岁十就把钱用完了，如果你寿命是85岁，又没儿没女你说未来15年是谁的问题？延伸的社会问题，这时候就是政府责任了。再说公积金里钱也不是全部是你自己。有雇主给的，有政府给的利息。很多时候必须把二十三十后会遇的问题先做准备

@chongsoontan8343 5 жыл бұрын

😉😱😕😅

@sunnychen9949 5 жыл бұрын

政府當星加坡退休老人是小孩子不会理財，要政府耒管理真可悲。那退休金有何意义？

@veronham61 4 жыл бұрын

新加坡人到了55岁，只要退休户口(retirement acc) 达到政府规定的 minimum sum (以后这户头里的钱会在65岁时，每个月发出某数目，因人而异) 就可以随时把普通户口(ordinary acc )里的每一分钱提出来，也可以选择任何时候提出部分的钱，也可以留在里面赚利息。

@phchang5558 5 жыл бұрын

不提是傻瓜。钱在自己口袋里比较保险。 I was surprised that Alfred chia has such good command of Mandarin, 赞👍

@chongsoontan8343 5 жыл бұрын

phchang555 有

@chongsoontan8343 5 жыл бұрын

从5

@sunnychen1895 5 жыл бұрын

能提吗？

@terenceterence2305 4 жыл бұрын

phchang555 什么钱在自己口袋？你拿出来放进银行或投资其他也意义上不在你口袋。哈哈。。

@6millionx6millionpeopleliv49 5 жыл бұрын

at...

@cristinagoh1739 4 жыл бұрын

@stevenheng3336 3 жыл бұрын

Sinkies are worried pap will change their rules as and when they want... wondering why sinkies are happy with just the $5k when pap PROMISED full return at 55.. aside to only a handful of man who pap claimed they spent on women but what about women who spent on men?? Have they been reported and if either gender does that, how many really go to pap for help?? So don't use that as an excuse not to return our full CPF at 55

@user-ws7mj8jw8v 5 жыл бұрын

各位有钱还是放银行好，几时要拿就能拿，出入自由？

@veronham61 4 жыл бұрын

可是放在CPF的利息比银行高.我可以随时都可以拿出来可是我觉得留在里面比较划算。

@sugiono1742 4 жыл бұрын

流国龙，我的建议最好是去人寿保险，保险期有时间规定，如十五年或二十年，保险金由我们定，如五十万，每个月就来计算该交多少期限越久每月就交少，期限到了我们可以全部拿出来，如果期限还没到，投保人不幸死亡，继承人可以领取保险金五十万，而且投保人在保险期间生病驻医院，医疗费用全由保险公司来还，我个人认为最好还是保险人寿保险，还有如果保险期还没到需要用到钱是可以领回所交的保险金，并且扣除手续费就可了，在两种的投保还是人寿保险比较好，不知大家的看法如何！

@veronham61 4 жыл бұрын

@@lt5912 政府在改变政策之前总会多方考量。到目前为止，我觉得新加坡的公积金制度很好，我可以用里面的钱买房子，买保险和投资。

@veronham61 4 жыл бұрын

@@lt5912 请问，在这世上有谁可以保证任何事情都不会改变?

@veronham61 4 жыл бұрын

@@lt5912 ??

@user-ir2fx8ww6m 3 жыл бұрын

55岁最好可以全部都可以拿出来如果拿不出来就移民吧

@jingleval8469 4 жыл бұрын

不要浪費时间在語論壇。也改变不了人们对公积看法。

@jingleval8469 4 жыл бұрын

看來叫我们政府追討欠款

@sunnychen9949 5 жыл бұрын

説这么多就是不能自由提出退休金。

@veronham61 4 жыл бұрын

看来，你还是不清楚整个制度的运行。

@jingleval8469 4 жыл бұрын

为何不能一次过提取公积全数550k 。只能拿5k回到我国家养老。为何立法要我取消安我永久公民先。分期付款给於我。有点欺騙人哦。

@jingleval8469 4 жыл бұрын

新加坡政府居心不良。不要听取政府伩偏面之詞。如我花头我的钱在自己的錢在我国家。関新加坡政府什么事。我感觉他们居心不良。

@peterlai6503 7 ай бұрын

550,000 - medisave - 198,800 = Amount withdrawal at 55 yrs old not 5k only.

@tankayboon5312 2 жыл бұрын

放在那里很容易，有事要提出比登天难！人死了没有空提种种原因，里面的钱会不会过期？

@jingleval8469 4 жыл бұрын

不論冂拍多少視頻。都不能掩蓋他们不良居心。我退休在我国一家家。不再購買任何產业在新加坡。为何人扣留我的公积金？

@jingleval8469 4 жыл бұрын

強制立法我取消永久居民証？先？然后分期付款还於我。如我取消永久居民証先。如有什么金钱糾紛。要进來追討欠款。签証可就艰了。新加坡移民居可不批準你的签証。取消永久居民証先。可对我不利。我觉得新加坡政府居心不良。

@thomaswong1085 5 жыл бұрын

到了54岁时留个4万在SP 剩下的把钱放入保险公司的投资户口过了55岁才除消保险投资户口取消户口的钱回CPF 不会去退休户口到时候钱可以慢慢随时提出

@user-ws7mj8jw8v 5 жыл бұрын

新加坡样样第一，中国五十岁就退体了，中国证府给養老金，新加坡政府也应该这样做，多数人做到七老八十还是没钱？老来还这么辛苦，六十五岁还没到我死了呢？CPf，没的用了。我死不明目呀。現在你不给我？死了下去找你拿？

@user-ws7mj8jw8v 5 жыл бұрын

CPf，要看情况，有人一个月工资十多万，有人工资几百元，一个月工资都不够用，工资十多万的一个月用五万元，还能剩十万元。怎么比较呢？不给死了之后我找您拿？

@user-yf7fl5ws9y 5 жыл бұрын

@@user-ws7mj8jw8v 中國政府根本給不到人民保障～你不知道嗎？

@plouffle 2 жыл бұрын

保险投资户口可以放回去cpf里面吗?

@thomaswong1085 2 жыл бұрын

@@plouffle 会的这方法是避免太多钱进去basic retirement fund 前提是用charge 的方式