是的。所以我每年底都不厌其烦的提醒一遍好好利用 CPF 的意义。每次 CPF 的利息都是元旦后两三天发下来，粗略算了一下，今年 CPF 的利息第一次过万了。再加上省掉的个人所得税，如果不好好利用，实在可惜啊。
总而言之，我始终相信一个理念，就是你不在这里准备退休的事儿，你一定得从别的地方准备。你在这里充分准备了，那你别的地方就可以少些后顾之忧了。
厉害
MA满了，SA离满了不远（想满随时可以满的感觉），OA钱也有大几万
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厉害
感觉这里CPF说的不够清楚，我理解你的意思，应该是2018年充值同时2018年收入要低于4000，然后到2019年4月报2018年的税时候可以抵扣。
这样就应该是the year of top-up，而不是preceding year of top-up。
哦真的是要看前一年
IRAS上有个例子
In 2017, Mr Lee made a CPF cash contribution of $7,000 to his wife's Special Account. His wife's annual income in 2016 was $5,000.
Top-up Amount to Wife's Special Account in 2017
$7,000
Wife's Annual Income in 2016
$ 5,000
CPF Cash Top-up Relief for YA 2018
$0
For YA 2018, Mr Lee cannot claim CPF Cash Top-up relief for his wife because her income in 2016 is more than $4,000.
In 2017, Mr Lee made a CPF cash contribution of $7,000 to his wife's Special Account. His wife's annual income in 2016 was $5,000.
Top-up Amount to Wife's Special Account in 2017
$7,000
Wife's Annual Income in 2016
$ 5,000
CPF Cash Top-up Relief for YA 2018
$0
For YA 2018, Mr Lee cannot claim CPF Cash Top-up relief for his wife because her income in 2016 is more than $4,000.
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