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1. CPF »áÔ±µ½ 55 ËêÒª set aside Retirement Sum£¬»ù±¾ÉÏÊÇÇ¿ÖÆÐԵģ¨³ý·ÇÄã×Ô¼ºÂòÁ˵ȶî/¸ü¸ß¶îµÄÄê½ð£¬»òÕßÄãÊǼ«ÉÙÊýÁìÈ¡ÍËÐݽòÌùµÄÈ˲ſÉÒÔÉêÇë»íÃ⽨Á¢ Retirement Sum£©¡£Retirement Sum µÄÖ»ÒªÀ´Ô´Ö®Ò»ÕýÊÇ 55 ËêÇ°µÄ CPF Special Account¡£
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2. ¹ÜÀí»ú¹¹²»Í¬ ¡ª¡ª Top up CPF µ±È»Êǽ»¸ø CPF ¾ÖÀ´¹ÜÀíÄãµÄÇ®£»SRS ÊÇÔÚ±¾µØÒøÐпª»§£¬Ç®¸øÒøÐÐ/±£ÏÕ¹«Ë¾µÈ½ðÈÚ»ú¹¹¹ÜÀí¡£±ÈÈçÄã¿ÉÒÔ°Ñ SRS »§¿Ú¿ªÔÚ DBS£¬²¢ÓÃÕâ±ÊÇ®ÔÚ DBS Ͷ¸ö time deposit£¬»òÕßÔÚ AIA Âò¸öʲô¹ÉƱ»ù½ðɶµÄ¡£

3. ÃâË°¶î¶È²»Í¬¡£Cash top up SA µÄÃâË°¶î¶ÈÉÏÏÞÊÇ 7000/Äꣻ2016 ÄêµÄ SRS ÃâË°¶î¶È£¨PR/¹«Ãñ£©ÊÇ ($6,000 x 17 months) x 15% = $102,000 x 15% = $15,300£¬Íâ¹úÈËÊÇ ($6,000 x 17 months) x 35% = $102,000 x 15% = $35,700¡£SRS µÄÃâË°¶î¶ÈÒª´ó´ó³¬¹ý Cahs top up SA µÄ¶î¶È¡£

4. »Ø±¨Çé¿ö²»Í¬ ¡ª¡ª ÈçÄãËù˵ CPF OA ÊÇ guaranteed ÖÁÉÙ 4% µÄÄêÀûÏ¢£¨Õþ¸®¶µµ×¶ù£©£¬SRS µÄ»Ø±¨È¡¾öÓÚÄãÓÃËüÀ´¸ÉÂð¡£Èç¹û·ÅÔÚ¿ª»§ÒøÐÐÀïʲô¶¼²»×ö£¬ÄǾÍÊÇÄ¿Ç°»îÆÚ´¢ÐîµÄÀûÏ¢ 0.05%¡£Óà SRS À´Í¶×ʵĻ°£¬ºÍ CPF Ͷ×ÊÒ»Ñù£¬Ò²ÒªÃæ¶ÔͶ×ʲ¨¶¯µÄ·çÏÕ¡£
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Q

Is my withdrawable CPF savings subject to tax?

A
CPF monies withdrawn is not taxable.
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After setting aside your Full Retirement Sum or Basic Retirement Sum with sufficient property charge/pledge and the current MMS of $43,500, you can choose to withdraw the remaining CPF balances (excluding top-up monies, government grants, and interest earned in your Retirement Account), or continue to keep your savings in CPF to earn attractive interest.

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Äã¿ÉÒÔ¿´¿´ CPF ¸øµÄ¼¸¸ö withdrawl µÄÀý×Ó¡£ÎÒÏë´ó²¿·ÖÅóÓѶ¼·ûºÏ Example 3

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