试图捋一下retirement age and CPF payout eligibility age

现在Retirement Age (法定退休年龄): 62 ; Re-employment Age: 67

Before 1987, 没有retirement age 和 Re-employment Age 的说法。
members could withdraw all their CPF savings in a lump sum from age 55. At that time, there was no statutory retirement age although it was widely accepted to be 55.

1987: CFP drawdown age 确定为60岁

1993: retirement age 确定为60岁,跟 CFP drawdown age 60岁 相应。
“pegging the monthly withdrawal age to the prevailing retirement age is necessary in order to ensure that the Minimum Sum can last the duration of a CPF member's retirement”

1999: retirement age 提高到62岁,CFP drawdown age 相应提高到62岁

2007: re-employment 提高到 65岁, CFP drawdown age 相应提高到65岁

2017: re-employment age was raised to 67,但是cpf drawdown age 还是65岁, 没有提高到67岁

总结:
CPF drawdown age = max ( retirement age, Re-employment Age)。 可能因为怕众怒,所以不敢提高到67岁
SRS drawdown age = min ( retirement age, Re-employment Age) = 62岁

所以现在政府又要提高retriement age 和 re-employment age。 你觉得它不影响我们的 cpf 和 srs drawdown age 吗?
我估计我们老了以后cpf 应该是70-75岁才可以取。 SRS 应该是65-70岁才可以.



source:
https://www.straitstimes.com/singapore/manpower/retirement-and-re-employment-rules-through-the-years
https://www.todayonline.com/singapore/explainer-what-relationship-between-ones-retirement-age-and-cpf-payout-eligibility-age
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12 个回答

姬烁善

呵呵
自己填补cpf的人,应该是多头准备,锦上添花,一方面避税,另外一方面cpf赚取高利息。真要是急着退休后就要领钱的,一来没那个闲钱去填补,二来收入可能连税都不用交,谈何避税呢。

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郝绿鹏

就算延到70岁退休,那70岁之前留够FRS也是能取出来的
70岁之后开始发退休金而已。人均寿命越来越高,70岁后有钱很重要呀,干嘛要急着70岁之前都拿到呢?华新高学历的人多,70岁前指望这个钱过活的人还是少数中的少数吧?

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  • 方妹 提出于 2019-07-14 18:49