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发表于 26-2-2019 08:21:01|来自：新加坡
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本帖最后由 xiyizi 于 26-2-2019 16:08 编辑
The Benefit Illustration
Think of the two plans as separate annuity products that you are considering.
CPF LIFE Standard Plan
At age 55, you set aside the Full Retirement Sum of $166,000 in your Retirement Account. From age 65 onwards, you will receive $1,301 to $1,435 each month, depending on your gender. If you pass on at 75, your bequest will be $80,272 to $85,624. If you pass on at 85 or later, there will be no bequest.
The table below is another way of interpreting the benefit illustration. For the calculation, we took the higher range that is applicable for male. This assumes that CPF member set aside the Full Retirement Sum of $166,000 at age 55.
Age Member Passes On Total Monthly Payout Received Bequest Received Total Amount Received
75 $172,200 $85,624 $257,824
85 $344,400 $0 $344,400
95 $516,600 $0 $516,600
The simple observation here is that the longer you live, the more you gain financially from CPF LIFE. This makes sense, since there is a commitment to pay CPF member a monthly payout as long as they live.
CPF LIFE Basic Plan
At age 55, you set aside the Full Retirement Sum of $166,000 in your Retirement Account. From age 65 onwards, you will receive $1,185 to $1,309 each month. If you pass on at 75, your bequest will be $182,895 to $194,084. If you pass on at 85, your bequest will be $96,900 to $104,587. If you pass on at 95 or later, there will be no bequest.
Here is a table depicting the benefit illustration for male. This assumes that CPF members set aside the Full Retirement Sum of $166,000 at age 55.
Age Member Passes On Total Monthly Payout Received Bequest Received Total Amount Received
75 $157,080 $194,084 $351,164
85 $314,160 $104,587 $418,747
95 $471,240 $0 $471,240
Once again, the longer you live, the better off you will be.
However when compared to the Standard plan, the difference between the total amount received for someone who passes on at 85 and 95 isn’t as high at just $52,000. That’s because the Basic plan gives a high bequest amount at both age 85 ($104,587) and 75 ($194,084) compared to the Standard plan.
In contrast, the Standard plan only gives a bequest of $85,624 at age 75, and nothing at age 85.
If you are fortunate enough to live till 95, then the Standard plan will give a higher total payout ($516,600) compared to the Basic plan ($471,240)
如果中高收入，工作年限长（30年或以上），一般公积金RA存款至少35万或以上。
你可以选择在55岁取出18万用以投资（或者买年金），剩下17万在公积金RA到65岁领取年金。
估算自己的寿命是国家平均寿命，大约85，选择BASIC PLAN。每月领取大约1250新币。
如果在85岁之前去世，留给亲人的公积金遗赠还有10万以上。如果75岁去世，公积金遗赠将有19万多，比55岁存款17万还多。
而且公积金遗赠是以现金支票的方式给亲人。不用担心公积金拿不出来。
那55岁取出来的18万买年金的话，到65岁领取年金，又有1300新币的收入。
即使没有其它房产投资股票和现金存款利息收入，一个人每月退休靠公积金买的年金，就有2550新币的收入，直到去世。
去世还有不少的遗赠留给亲人呢。如果夫妻两人每月5000新币，坚持买医疗保险，应该是可以不用太担心退休生活。 |
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