【其它话题】2024 财政预算案 —— 公积金将有重大改革为对退休人士和年长提供更多援助，政府将调整一些公积金制度。
第 1 —— 年满55岁至65岁雇员的公积金缴交率，明年将再度上调，增幅为1.5个百分点，其中一个百分点由雇员承担。55岁至60岁，雇员的公积金缴交率为17%，60岁以上至65岁则为11.5%。
政府也将继续为这些年满55岁至65岁的雇员提供过渡性公积金抵消计划（CPF Transition Offset），承担一半的费用，而雇主只多付0.25个百分点。这将协助雇主缓冲商业成本的冲击。
第 2 —— 从2025年起，公积金退休户头的超额存款（Enhanced Retirement Sum，简称ERS）顶限，将从现有基本存款的三倍，提高至四倍，新顶限为42万6000元。
第 3 —— 政府将做一些改变让公积金制度合理化。
目前，年满55岁及以上的会员拥有特别户头（Special Account）和退休户头（Retirement Account）。从2025年起，年满55岁会员的特别户头将关闭。特别户头里的存款将被转移至退休户头，直至存足所要求的全额存款（Full Retirement Sum），剩余的将转移到普通户头。
其中第 2 和第 3 点，应该是最近十年最大的改革了，尤其是 55 岁以上关闭 SA。届时继续工作的 employee，工资部分的 CPF 是不是变成进去 OA，RA 和 MA 了�
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每年Topup SA 8000块免税还是有的，我的理解对吗？
How much tax relief can I enjoy when I make cash top-ups?
You can enjoy an equivalent amount of tax relief for cash top-ups made in each calendar year of up to:
$8,000 if you make a top-up to yourself; and
an additional $8,000 if you make a cash top-up to your loved ones.
Please note that only cash top-ups up to the current Full Retirement Sum (FRS) are eligible for tax relief. Log in with your Singpass to find out how much you can top up to yourself. If you make cash top-ups to your loved ones, please note that the tax relief does not apply to your recipients. Find out the conditions to qualify for tax relief.
If you are an employer making cash top-ups on your employees’ behalf, you will receive an equivalent amount of tax deductions for the cash top-ups. Additionally, your employee can receive up to $8,000* of tax relief per calendar year.
* Includes any tax relief that the employee would enjoy for cash top-ups made to himself.
From 1 January 2025, givers of cash top-ups that attract the matching grant (up to $2,000 per year) under the Matched Retirement Savings Scheme (MRSS) will no longer receive tax relief. Find out more on how this works.
You can enjoy an equivalent amount of tax relief for cash top-ups made in each calendar year of up to:
$8,000 if you make a top-up to yourself; and
an additional $8,000 if you make a cash top-up to your loved ones.
Please note that only cash top-ups up to the current Full Retirement Sum (FRS) are eligible for tax relief. Log in with your Singpass to find out how much you can top up to yourself. If you make cash top-ups to your loved ones, please note that the tax relief does not apply to your recipients. Find out the conditions to qualify for tax relief.
If you are an employer making cash top-ups on your employees’ behalf, you will receive an equivalent amount of tax deductions for the cash top-ups. Additionally, your employee can receive up to $8,000* of tax relief per calendar year.
* Includes any tax relief that the employee would enjoy for cash top-ups made to himself.
From 1 January 2025, givers of cash top-ups that attract the matching grant (up to $2,000 per year) under the Matched Retirement Savings Scheme (MRSS) will no longer receive tax relief. Find out more on how this works.
Huasing Association 1999 - 2013