are you stupid?2.7% 是回报率，不是收益率，他已经扣除了CPF的投资成本了，也就是利息了。
最近10年我至少得到了两次CPF的额外分红，因为投资回报远高于预期。
出口伤人本身就是不对的
CPF 本身投资的是 SSGS, 而2.7%的年化收益是GIC 的投资收益。 10年期SSGS的回报收益是多少？
The Ministry of Finance has elaborated on this:
Singaporeans’ CPF funds are invested in bonds – SSGS – which are fully guaranteed by the Government. CPF monies are therefore invested entirely in risk-free assets. The Government takes the investment risk in managing SSGS proceeds. This arrangement assures that the CPF Board will be able to pay its members all their monies when due, and the interest that it commits to pay on CPF accounts.
Ultimately, the investment returns that the Government expects to make over the long term by taking the risks of long-term investments are not hoarded away in the reserves.
Up to 50% of the net returns from the reserves flow back to Singapore’s Budget through the Net Investment Returns Contribution (NIRC). The long-term returns therefore help to fund spending which benefits Singaporean
The Ministry of Finance has elaborated on this:
Singaporeans’ CPF funds are invested in bonds – SSGS – which are fully guaranteed by the Government. CPF monies are therefore invested entirely in risk-free assets. The Government takes the investment risk in managing SSGS proceeds. This arrangement assures that the CPF Board will be able to pay its members all their monies when due, and the interest that it commits to pay on CPF accounts.
Ultimately, the investment returns that the Government expects to make over the long term by taking the risks of long-term investments are not hoarded away in the reserves.
Up to 50% of the net returns from the reserves flow back to Singapore’s Budget through the Net Investment Returns Contribution (NIRC). The long-term returns therefore help to fund spending which benefits Singaporean
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