今天看了下孩子扽In general, the maximum amount of VC a member can make is the difference between the CPF Annual Limit of $37,740 and the mandatory contributions (MC) made for the calendar year. Hence, the MC and VC made in a year cannot exceed the current CPF Annual Limit.
MC refers to compulsory contributions required under the CPF Act. These include CPF contributions on the Ordinary and Additional Wages for employees, and MediSave contributions by self-employed persons.
Do note that the VC to the MediSave Account is further subject to the member’s Basic Healthcare Sum (BHS). Therefore, once the member’s BHS is reached, no further VC to the MediSave Account can be made.
Any VC made in excess will be refunded without interest.
每年每人最多可以37740. 假如要给孩子充。也要分几年
现在medisave可以做一下57000. 4%
小结一下
compulsory contribution, VC (to MA only or to 3 accounts)这两个加起来最多37740，其中compulsory contribution和VC to MA是免税的，VC to 3 accounts不免税。
SA的现金top up不受37740的限制，最多可以到FRS，但免税额度每年只有7000。
孩子的CPF里放钱不免税，但SA/MA头六万利息是5%，还是可以考虑，给孩子的VC不会算到自己CPF账户37740的cap里，是分开算的，分两年放五六万进MA就好了。明天开始BHS是六万。
4000的收入限制是全球，而且不管有没有带来新加坡，你的情况不适用。
SA的现金top up不受37740的限制，最多可以到FRS，但免税额度每年只有7000。
孩子的CPF里放钱不免税，但SA/MA头六万利息是5%，还是可以考虑，给孩子的VC不会算到自己CPF账户37740的cap里，是分开算的，分两年放五六万进MA就好了。明天开始BHS是六万。
4000的收入限制是全球，而且不管有没有带来新加坡，你的情况不适用。
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