55岁SA的钱怎么样尽可能多得保留

RA利息也是4%啊难道不是吗？楼主可以Google

RA的钱不能随意取我是这么理解的

这个4%很快撑不住了不是法律规定的，不到你退休就变2%左右了。

The interest rate is computed based on the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1%2, subject to the current floor interest rate of 4% per annum3. The interest rate is reviewed quarterly.

2%怎么得到的～～

当然是政府网站上说的https://www.cpf.gov.sg/Members/AboutUs/about-us-info/cpf-interest-rates
Interest Rate for Special and MediSave Account
Interest rate from 1 July 2021 to 30 September 2021: 4% per annum

The interest rate is computed based on the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1%2, subject to the current floor interest rate of 4% per annum3. The interest rate is reviewed quarterly.

2 - 2.04% for period between May 2020 to April 2021

最低4%延期到2022年12月31号。每隔一段时间都会review SA的利率。但是印象中OA的2.5%是不变的，如果是的话，SA不可能低于2.5%

网上很多本论坛也提过好多次
你搜索SA shielding就知道了
不知道啥时候这条路会被堵上

SA最低利率的公式是max(10YSGS+1%, floor interest rate).
现在 10YSGS = 2.04%
floor interest rate = 4%.
所以现在SA最低还是4%， 当然公式，floor interest rate 都可能变。

你错了https://www.mas.gov.sg/bonds-and-bills/SGS-Bond-Statistics

max(12mth average10YSGS+1%, floor interest rate).
现在 12mth average10YSGS = 1.04%, +1%(政府财政补贴)才有2.04%
floor interest rate = 4%.

好吧不过floor interest rate 4% 延期到明年年底了， 到时再看吧。

OA利率最低2.5%那是公积金法规定的，改要修法。SA的利率看政府政策，随时一纸公文就可以调低的。

所以不到50岁最好别主动填SA免得政府调低利息又拿不出来，两头不到岸。

你买其它基金股票理财不也有同样的顾虑？相比之下 CPF 安全得多。

填的越多利息调低的可能性就越大

狮城帮就这么几个人，影响不了CPF那么大的池子有闲钱对政府有信心就填吧，反之就不填