你们使劲往RA里面top up的，是为了传给孩子么？
爱酱油不爱醋 • • 8009 次浏览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 However, top-up monies in the RA will not be taken into account in computing how much RA savings2 can be withdrawn in cash (for property owners), as well as how much RA savings2 can be used for housing purpose and CPF transfers to spouses.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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#101
我来补充一下为啥妖股没那么容易既然是妖股，普通投资者进的时候会很小心，敢全仓就干的毕竟是少数，仓位低了，赚的钱能多吗？等你慢慢加上去的时候，成本也就上去了，跌的时候就可能一把前面的就白忙乎了。
举例来说，蔚来到个位数的时候，谁敢满仓哪怕是重仓进？ -
爱酱油不爱醋 楼主#102
澄清了。55岁之前充SA。55岁时超过FRS的部分可以取出来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 It cannot be withdrawn in cash or used for any other purposes such as education, investment, insurance premium payments, housing etc.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 However, top-up monies in the RA will not be taken into account in computing how much RA savings2 can be withdrawn in cash (for property owners), as well as how much RA savings2 can be used for housing purpose and CPF transfers to spouses.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 Any excess, above the Full Retirement Sum applicable to you, can be withdrawn when you apply for withdrawal at age 55.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The top up monies can be withdrawn or not?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