公积金改革及其他措施.pptVIP

为什么要更改? 有哪些改变? 我如何获益? Work Longer (1) : Re-employment Conclusion 年长工人将从重新雇佣立法和更高额的就业入息补助中受惠 额外的利息足以支付长寿保险保费 所有公积金会员将享有更高的利率 - 中低收入者受惠更多 提高最低存款提取年龄和实行强制性长寿保险将确保公积金存款不会在有生之年耗尽 ?为所有新加坡人提供更好的退休保障 为什么要更改? 有哪些改变? 我如何受益? 年龄达55岁时选择不提取公积金 把存款从普通户头转入特别户头 自愿缴交公积金 最低存款填补计划 可把全额的公积金存款保留在退休别户头 可高达$99,600 以享有更高的特别户头利率 可高达$99,600 一旦转入，不能转出 每年顶限为$26,393 (包括强制性的缴交款额) 存入普通户头、保健储蓄户头和特别户头; 或只存入保健储蓄户头 现金或公积金存款(视条例而定) 顶限: 当受益者的退休/特别户头存款达$99,600 受益者年龄55岁或以上 可以是捐赠者的配偶、兄弟姐妹、父母或祖父母,或捐赠者本人 捐赠者可能获高达$7,000的税务回扣 受益者年龄少过55岁 必须是捐赠者的配偶或兄弟姐妹 利用新密（SingPass）户口上网进行 亲临公积金局柜台 1. 55岁时选择不提取公积金 2. 从普通户头转入特别户头 3. 自愿缴交公积金 4. 最低存款填补计划 4. 最低存款填补计划 如何进行? 谢谢 * * What this means is that if we do nothing, future generations will have to shoulder an even heavier burden, in terms of looking after their parents and grandparents. [click] Hence, the key goal of the CPF changes, is to ensure that those who are able to, should provide for their own retirement. This means finding a way to enable their CPF savings to last their entire life, especially in view of more people living longer. [click] We should ensure that the CPF system works, for those who have been in employment for most of their lives. But the CPF system cannot solve the challenges of those who have not worked. And we should not try to make it do so, because such people can be helped in other ways, such as through family support or ComCare. So, this has been the approach adopted for the CPF changes. The changes can be summarised into 3 main areas. Each area has two sub-points. [Click] One, we will help you to work longer, [Click] Two, we will improve the returns on your CPF savings, and [Click] Three, we will make your CPF savings last your lifetime. The second change is to peg the SMRA rate to a long term market rate. This new peg will be the 12 month average yield of the 10 Year SGS + 1%. Based on yields of the 10 Year SGS up to 31 Aug 07, the formula applied now would be 4%. To help members adjust to this flo