请问政府给的baby bonus除了给娃上学，以后能取出来吗？

你可以选择拿6000cash或是12000CDA (不能取的）或是12000CDA (不能取的）

12000的CDA是自己和政府各6000吧？

两个都可以拿。不是or的关系xmlzjxmlzj

真的吗我们家是拿了6000cash放在cda account里,政府又top up 6000所以一共是12000cda 不能取啊 请问怎样可以又拿6000cash又拿12000cda我们家是拿了6000cash放在cda account里,政府又top up 6000所以一共是12000cda 不能取啊 请问怎样可以又拿6000cash又拿12000cda

是啊 所以cash就变成了cda了

CDA户口会在小孩上小学时结束结余会以现金给你。所以就是等几年吧。结余会以现金给你。所以就是等几年吧。

What happens to unused savings in the CDA?
http://www.babybonus.gov.sg/bbss/html/faq.html

The unused balance in your child's CDA will be transferred to his or her Post-Secondary Education Account (PSEA) in the year your child turns 13 years of age. You may continue to contribute to the PSEA until your child turns 18 years of age and receive the Government's matching contributions subject to the combined CDA/PSEAmatching contribution cap of up to $6,000 each for the first and second child, $12,000 each for the third and fourth child and $18,000 each for the fifth and subsequent child. The funds in the PSEA can be used to pay fees for post-secondary education in Singapore for your child and his or her siblings. The PSEA is underthe purview of the Ministry of Education (MOE). More information on the PSEA canbe found at MOE's website at: http://www.moe.gov.sg.
http://www.babybonus.gov.sg/bbss/html/faq.html

The unused balance in your child's CDA will be transferred to his or her Post-Secondary Education Account (PSEA) in the year your child turns 13 years of age. You may continue to contribute to the PSEA until your child turns 18 years of age and receive the Government's matching contributions subject to the combined CDA/PSEAmatching contribution cap of up to $6,000 each for the first and second child, $12,000 each for the third and fourth child and $18,000 each for the fifth and subsequent child. The funds in the PSEA can be used to pay fees for post-secondary education in Singapore for your child and his or her siblings. The PSEA is underthe purview of the Ministry of Education (MOE). More information on the PSEA canbe found at MOE's website at: http://www.moe.gov.sg.

这个意思是可以用做上中学和大学的钱嘛，还是不能取出来。这样的话，如果孩子不在这上学，这个钱岂不是就废了。而且又没有说这个账户有格外的什么好处，为什么要单独开一个账户专门用作小孩的学费还不能拿出来呢？感觉还是拿6000块现金划算啊。这样的话，如果孩子不在这上学，这个钱岂不是就废了。而且又没有说这个账户有格外的什么好处，为什么要单独开一个账户专门用作小孩的学费还不能拿出来呢？感觉还是拿6000块现金划算啊。

现金是给你的。可以随便用，也可以存进CDA。而CDA里，你存多少，政府也给你多少，最多6k。所以现金和CDA没关系。
CDA你不存钱，政府也一份不给。而CDA里，你存多少，政府也给你多少，最多6k。所以现金和CDA没关系。
CDA你不存钱，政府也一份不给。

小孩一出生就带走吗？幼儿园，看病打疫苗，买药都可以花的，兄弟姐妹也可以一起花，呵呵

What may I use the savings in the CDA for?

The money may be used by all your children to pay for:

1) Fees at Approved Institutions (AIs) which have registered with MSF under the Baby Bonus Scheme:
a) Child Care Centres;
b) Kindergartens and special education schools registered the Ministry of Education (MOE) or the Council for Private Education (CPE);
c) Early intervention programmes registered with the National Council of Social Service
NCSS) or SG Enable;
d) Healthcare institutions licensed under the Private Hospitals and Medical Clinics (PHMC)
Act;
e) Licensed pharmacies;
f) Optical shops; and
g) Assistive technology device providers

Click here -> Approved Institutions to search for an AI. AIs can be identified by a
Certificateof Approval displayed at their premises.

The funds cannot be withdrawn in cash. Withdrawals from the CDA are made via interbank GIRO or NETS at Approved Institutions (AIs) only. For payments via interbank GIRO, please enquire with your AI. You will need to fill up an application form to use interbank GIRO for the CDA and submit it to your AI. The bank will issue you a Baby Bonus Card. You can use this card to make NETS payments at AIs fromyour child's CDA. It cannot be used to make payments at other places or to withdraw cash at ATMs.

The funds can also be used for Singapore Dollar fixed or time deposit accounts approved by MSF and offered by OCBC Bank and Standard CharteredBank (Singapore). You may enquire directly with your chosen CDA bank on the use of CDA funds for such deposit accounts. The full amount deposited in the fixed or time deposits accounts, together with any interest earned, must be returned to the CDA upon expiry of the accounts or before the CDA is closed, whichever is earlier. The CDA funds cannot be used to pay for any penalties due to the trustee's premature withdrawal or termination of the fixed or time deposit accounts. The penalty, ifany, will be recovered from the trustee directly. 幼儿园，看病打疫苗，买药都可以花的，兄弟姐妹也可以一起花，呵呵

What may I use the savings in the CDA for?

The money may be used by all your children to pay for:

1) Fees at Approved Institutions (AIs) which have registered with MSF under the Baby Bonus Scheme:
a) Child Care Centres;
b) Kindergartens and special education schools registered the Ministry of Education (MOE) or the Council for Private Education (CPE);
c) Early intervention programmes registered with the National Council of Social Service
NCSS) or SG Enable;
d) Healthcare institutions licensed under the Private Hospitals and Medical Clinics (PHMC)
Act;
e) Licensed pharmacies;
f) Optical shops; and
g) Assistive technology device providers

Click here -> Approved Institutions to search for an AI. AIs can be identified by a
Certificateof Approval displayed at their premises.

The funds cannot be withdrawn in cash. Withdrawals from the CDA are made via interbank GIRO or NETS at Approved Institutions (AIs) only. For payments via interbank GIRO, please enquire with your AI. You will need to fill up an application form to use interbank GIRO for the CDA and submit it to your AI. The bank will issue you a Baby Bonus Card. You can use this card to make NETS payments at AIs fromyour child's CDA. It cannot be used to make payments at other places or to withdraw cash at ATMs.

The funds can also be used for Singapore Dollar fixed or time deposit accounts approved by MSF and offered by OCBC Bank and Standard CharteredBank (Singapore). You may enquire directly with your chosen CDA bank on the use of CDA funds for such deposit accounts. The full amount deposited in the fixed or time deposits accounts, together with any interest earned, must be returned to the CDA upon expiry of the accounts or before the CDA is closed, whichever is earlier. The CDA funds cannot be used to pay for any penalties due to the trustee's premature withdrawal or termination of the fixed or time deposit accounts. The penalty, ifany, will be recovered from the trustee directly.

不用担心，这些钱不够花的很快就花完了，利息低，建议越早花完越好，很多地方都可以用，凡是能用得的地方都用就对了很快就花完了，利息低，建议越早花完越好，很多地方都可以用，凡是能用得的地方都用就对了

我们6个月开始上infant care，上到18个月刚好花光infant care 1600, working mother补贴 600, 剩下每个月1000都是从这个账户里扣。

政府给新生儿6k，我们都存进去了，再match 6k，刚好上了12个月infant care把这1w2花光。

不用担心花不掉。infant care 1600, working mother补贴 600, 剩下每个月1000都是从这个账户里扣。

政府给新生儿6k，我们都存进去了，再match 6k，刚好上了12个月infant care把这1w2花光。

不用担心花不掉。

这么快就花完了，好吧，不过反正是花，感觉拿现金自己控制比较好呢。