CPF目前只是承诺到年底， 目前政府10前期国债利率不到1%， 如果SMRA 利率应该不至于直接降到2%，但在如今低利率的状况下，CPF利率调整的概率应该不小。

Q Why is the Special, MediSave and Retirement Account (SMRA) interest rate re-pegged at 1%-point above the 10 Year Singapore Government Security (10YSGS) yield?
A
Ideally, the Special, MediSave and Retirement Account (SMRA) rate should reflect the yield on a 30-year Special Government Securities (SGS). However, there is currently no such instrument. Hence, the SMRA interest rate is re-pegged at 1%-point above the 10-year SGS yield, because this would adequately provide for the higher rate that would be expected on a longer term bond.

However, in view of the low interest rate environment and the continuing uncertainty in the global economy, the Government has decided to maintain the 4% floor rate for interest earned on all SMRA monies for another year until 31 December 2021.

CPF利率调整会影响所有人，不管是哪个收入阶层。这种无区别的改变杀伤面太大，会激起民怨。如果政府要增加收入，更可行的方法应该是改变税率。

CPF这4%我感觉有点补贴性质的利率在现在情况下，要是没有什么大的政府支出（像covid各种发钱），还是可以继续补贴一点毕竟民生相关，要是财政支出太大，可能长期考虑会慢慢调会一点减轻压力吧。

就拿箭在弦上的GST调整而言， 2% increase 将在这几年推进， 政府更是小心翼翼推进这一进程。 COVID-19将政府这20多年来的财政盈余全部清零。 而处于经济修复期， 对于企业个人而言，要增加税收恐不是明智之举。
CPF 的高利率目前政府处于补贴状态， 这种补贴状态能继续维持多久？随着更多婴儿潮这代人步入退休年龄， 财政方面支出压力将会更大。

实在不行可以印钱