【理财】公积金CPF户头的分配&算法&用途以及利息

雨茜 · 发表于 23-12-2008 17:20:28|来自：新加坡

补充一点关于利息的：
From 1 January 2008, savings in the Special Account, Medisave Account and Retirement Account (SMRA) is pegged to the 12-month average yield of the 10-year Singapore Government Securities (10YSGS) plus 1%. To help members adjust to the floating SMRA interest rate, a 4% floor for the SMRA rate will be maintained for the first two years (2008 - 2009).

从２００８年１月１日起，特别帐号（Special Account）, 医疗帐号(MediSave Account) 和退休帐号(Retirement Account) ，即联合户头（SMRA）的利率将为新加坡政府10年债券平均收益，加上1%。以帮助会员适应浮动的联合帐号利率，在2008和2009年两年中，将保持4%的联合户口利率。

联合户头（SMRA）=10年新加坡政府债券利率(10 Year SGS)+1%

联合户头指的是特别户头(Special Account)、保健储蓄户头(Medisave Account)和退休户头(Retirement Account)

In addition, an extra 1% of interest will be paid on the first $60,000 of a member's combined balances, with up to $20,000 from the OA. The extra interest from the OA will go into the member's Special or Retirement Account to improve his retirement savings.

另外，每人CPF帐号中总额的头$60,000会得到额外的1%每年，也就是每年600块。在计算CPF帐号总额的时候，普通帐号里面的额度最高计为$20,000。一般账户额外的每年1%的利率，也就是每年最多200块，将计入特别户口Special Account.