今天有空，就去读了下CPF条例，以及用EXCEL简单算了下IRR（年度回报）.
1.取cpf是要交税的，这个基本肯定，因为原来这部分钱是免税的，也就是延迟交税。但是我们可以选择在收入不那么高的时候提取，这样也就可以避税了。而且可以分次提取，每次提一点，免得数额太大中高税。
Do I need to withdraw my CPF savings at 55 years old?
The withdrawal of your CPF savings is optional. If you do not withdraw at 55 years old, you can do so anytime later.
Also, you don’t have to take out the full amount at one go. For example, if you are eligible to withdraw $10,000, you can choose to make a partial withdrawal such as $2,000. You can withdraw the remaining $8,000 (if available), when you are next eligible to withdraw your CPF savings.
2. 用EXCEL简单算下IRR，情况是 Basic plan IRR=3.8971%, Standard plan IRR=3.4269%, Enhanced plan IRR=3.2474%，政府还是照顾穷人多点，也很合理。如果想占政府便宜，让自己领到的钱超过自己交给政府运作的钱（假设STANDARD PLAN, 政府每年运作能得到4%收益），因为CPF LIFE是从65岁发放到去世，那么就需要活到89以上。一般情况应该是赢不了，但是也不会输，因为剩下的钱会给家人。
