top up 的钱55岁能取出来么？ - 不能

　

Top-up monies will form part of your retirement sum. However, top-up monies in the RA will not be taken into account in computing how much RA savings2　can be withdrawn in cash (for property owners), as well as how much RA savings2　can be used for housing purpose and CPF transfers to spouses.

55岁取不出来，那我从65岁开始领，总能领出来吧 - 不能，除非你活过90

For example, to receive a monthly payout of $1,390 - $1,490, you will need $272,900 in your RA at 65. A much lesser sum of $181,000 is required if you set aside the amount in your RA at 55. This is because CPF interest rates of up to 6% will help you grow your savings through compound interest.

55岁存181000，从65岁领取每月1490，按现在cpf利率，要90岁才领的完。

存得多领的多但是要领完这么多还是要这么久

　

所以问题是
1.　你们使劲往RA里面top up的，是为了传给孩子么？
2. 55岁存181000，从65岁领取每月1490。这样的支出收入比例算高么，保险公司做不到？

我找了一个保险经纪问了一下储蓄保险

55岁存入A, 65到75岁每月领1490，A=73688

55岁存入B, 75到85岁每月领1490，B=53299

55岁存入C, 85到95岁每月领1490，C=20400

就是说55岁存入 (A+B+C)=147387 (

保险不保证收益，但是上面的收益真的很难达到？

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该帖荣获当日十大第1，奖励楼主25分以及37华新币，时间：2020-12-28 22:00:01。

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我按55岁存181000，利率按cpf 现行利率，（前30000 6%, 30000到60000 5%, 60000 以上4%). 从65岁开始领钱。按简化的算法，每年年头领1490*12，每年年尾算利息。就是要90岁才拿的完啊

你这么有信心活过99.
新加坡统计局的 Life Expectancy 是 83.4

Top-up monies will form part of your retirement sum. However, top-up monies in the RA will not be taken into account in computing how much RA savings2　can be withdrawn in cash (for property owners), as well as how much RA savings2　can be used for housing purpose and CPF transfers to spouses.

你搜 cpf nomination
我的理解是你可以留遗嘱给你想给的人

我只是看大部分讨论集中在把钱top up进cpf省稅赚利息
没什么讨论关于Cpf里面的钱怎么出来，以及按出来的钱和你投入的钱的比例计算CPF是否最优选择
而且有相当一部分人认为Top up的钱55岁是可以拿出来的
所以发这个帖子想大家多讨论这些方面

我的理解是top up 的部分，不可以取出。不管是一次性取出还是随时取。它只能抬高你每月领到的固定的养老金。但不管怎样抬高，你去世之前都多半领不完

不光 top up 的取不出。连interest earned 都取不出。

以下内容来自 cpf 网站 q and a.

How can top-up monies be used?
A
Top-up monies are set aside specifically for retirement needs and can only be used for monthly payouts under the Retirement Sum Scheme, or CPF LIFE1. It cannot be withdrawn in cash or used for any other purposes such as education, investment, insurance premium payments, housing etc.

Top-up monies will form part of your retirement sum. However, top-up monies in the RA will not be taken into account in computing how much RA savings2 can be withdrawn in cash (for property owners), as well as how much RA savings2 can be used for housing purpose and CPF transfers to spouses.

RSTU 包括 55岁前 充值 SA 和 55 岁 后 充值 RA

我本来以为取不出来，因为看到这个：
Q How can top-up monies be used?
A
Top-up monies are set aside specifically for retirement needs and can only be used for monthly payouts under the Retirement Sum Scheme, or CPF LIFE1. It cannot be withdrawn in cash or used for any other purposes such as education, investment, insurance premium payments, housing etc.

Top-up monies will form part of your retirement sum. However, top-up monies in the RA will not be taken into account in computing how much RA savings2 can be withdrawn in cash (for property owners), as well as how much RA savings2 can be used for housing purpose and CPF transfers to spouses.

后来我又看到这个。我晕了。
Q I received top-ups before age 55. What happens to the top-ups when I turn 55?
A
If you had received top-ups before age 55, the top-ups and accrued interest in your Special Account (SA) will be transferred to your Retirement Account (RA) when you turn 55. Any excess, above the Full Retirement Sum applicable to you, can be withdrawn when you apply for withdrawal at age 55.

于是我写信给CPF:
The top up monies can be withdrawn or not? I am confused by the 2 self-conflicting Q and As below from CPF website. Which one is wrong, or at least, misleading?

得到了这个回复：
As you are below age 55, please refer to the website FAQ on I received top-ups before age 55. What happens to the top-ups when I turn 55?

If you have any excess in your Special Account (SA), above the Full Retirement Sum (FRS) applicable to you, the amount will remain in the SA and can be withdrawn when you apply for withdrawal at age 55.

所以结论是55岁之前充SA。55岁时超过FRS的部分可以取出来

我的提问可能误导了一些人。澄清一下