{"release_id":5,"data":{"id":12430,"release_id":5,"source_id":"sgkb.cpf-social-security.cpf-retirement-adequacy","kind":"article","fingerprint":"857dc034c4c35c41d63f906cb4136685ee2e6dc20bc688264d111b7eceba9c53","title_en":"CPF Retirement Adequacy","title_zh":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027","domain":"cpf-social-security","status":"verified","date":"2026-10-14","payload":{"data":{"path":"cpf-social-security\/cpf-retirement-adequacy.md","tags":["cpf","retirement","inequality","controversy","statistics"],"title":"CPF Retirement Adequacy","domain":"cpf-social-security","facets":["controversy","history","policy","statistics"],"status":"verified","topics":["sgtopic.social-security","sgtopic.social-security.retirement-adequacy"],"aliases":["CPF adequacy","Basic Retirement Sum attainment","CPF Advisory Panel","retirement adequacy Singapore"],"related":["cpf-overview","cpf-life","cpf-withdrawals","cpf-top-up-schemes","workfare-and-support-schemes"],"sources":[{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum","tier":1,"title":"MOM \u2014 Written answer to PQ on the Basic Retirement Sum (5 July 2022)","accessed":"2026-10-14","published":"2022-07-05","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs","tier":1,"title":"MOM \u2014 Written answer on BRS, FRS, ERS and BHS attainment rates","accessed":"2026-10-14","published":"2024-01-10","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates","tier":1,"title":"CPF Board \u2014 Retirement sum attainment rates","accessed":"2026-10-14","publisher":"Central Provident Fund Board"},{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum","tier":1,"title":"MOM \u2014 Written answer on CPF Basic Retirement Sum beyond 2027","accessed":"2026-10-14","published":"2026-01-13","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum","tier":1,"title":"MOM \u2014 Written answer to parliamentary question on CPF Basic Retirement Sum (1 April 2019)","accessed":"2026-10-14","published":"2019-04-01","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates","tier":1,"title":"CPF Board \u2014 CPF withdrawal policy, Retirement Sum Scheme payout duration and CPF interest rates","accessed":"2026-10-14","published":"2019-12-14","publisher":"Central Provident Fund Board"},{"url":"https:\/\/www.mom.gov.sg\/-\/media\/mom\/documents\/employment-practices\/cpf-advisory-panel\/press-releases\/press-release-3-aug-2016.pdf","tier":1,"title":"MOM \u2014 Government accepts CPF Advisory Panel's Part Two recommendations","accessed":"2026-10-14","published":"2016-08-03","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027","tier":1,"title":"CPF Board \u2014 Changes to CPF contribution rates for senior workers from 1 January 2027","accessed":"2026-10-14","publisher":"Central Provident Fund Board"}],"summary":"CPF retirement adequacy is the debate over whether Singapore's CPF savings give members enough retirement income, measured officially by how many active members turning 55 can set aside the Basic Retirement Sum.","entities":["sg.agency.cpf-board"],"language":"en","volatility":"slow","document_id":"sgkb.cpf-social-security.cpf-retirement-adequacy","jurisdiction":"SG","document_type":"article","last_verified":"2026-10-14","temporal_scope":"mixed","document_sha256":"38f82d843b6770398581edbdda10af69b73cedf967fe77ed504fe1da30ff8a2e","geographic_scope":["national"],"classification_source":"domain-default","classification_confidence":"medium"},"date":"2026-10-14","kind":"article","wiki":{"path":"cpf-social-security\/cpf-retirement-adequacy.md","domain":"cpf-social-security","locales":{"en":{"title":"CPF Retirement Adequacy","summary":"CPF retirement adequacy is the debate over whether Singapore's CPF savings give members enough retirement income, measured officially by how many active members turning 55 can set aside the Basic Retirement Sum.","markdown":"# CPF Retirement Adequacy\n\nCPF retirement adequacy is the long-running question of whether Singapore's Central Provident Fund (CPF) gives members enough income in old age. Because CPF is a contribution-based savings system rather than a pay-as-you-go pension, a member's retirement income depends on that member's working history, wages, housing choices and top-ups. The Government's main published measure is the share of active CPF members turning 55 who can set aside the Basic Retirement Sum (BRS), the amount that funds a basic monthly [CPF LIFE](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-life) payout. Critics and supporters of the system largely argue over what that measure shows and leaves out. The history and design of CPF are covered in [cpf overview](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-overview).\n\n## How adequacy is measured\n\nCPF Board's attainment table, last updated 13 March 2026, reports that among CPF members aged 55 in 2025, 75% of active members and 65% of all members had set aside the BRS. The table gives the denominators: 41,800 active members and 60,000 members in total. It separately reports that 56% of active members and 47% of all members set aside the Full Retirement Sum (FRS) ([CPF Board, 2025 retirement-sum attainment table](https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates)). \u201cActive\u201d here means at least one CPF contribution paid in the current or preceding three months; the active-member count excludes self-employed people who are not concurrently employees. A CPF member is someone with a positive balance in any CPF account. These are different denominators, not competing estimates of the same population.\n\nMOM's earlier written answer reported BRS attainment of 27,800 active members, almost 70% of the cohort, in 2022, compared with 26,500 or about 66% in 2020. Its expectation that eight in ten active members turning 55 in 2027 would attain the BRS remains a projection, not a reported outcome ([MOM, 10 Jan 2024](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs); [MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)).\n\nThe measure has a deliberate population boundary: \u201cactive\u201d is not every CPF account holder, and active members exclude self-employed people who are not concurrently employees. MOM has said balances of economically inactive members are harder to interpret because they are not required to contribute ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)). The BRS is a basic standard, not a guarantee of comfortable retirement; critics therefore treat attainment as a floor rather than a complete adequacy measure. Current cohort retirement sums are listed in [annual rates](\/en\/knowledge\/dataset\/sgkb.data.annual-rates).\n\n## Who falls short\n\nCPF retirement adequacy is uneven across groups. In its 1 April 2019 answer, MOM reported BRS attainment among active members turning 55 from 2016 to 2018 of 63% to 67% for men and 52% to 56% for women. By property type, attainment for the 2018 cohort was 90% for private-property owners, 60% for owners of 4-room or larger HDB flats, 40% for owners of 3-room or smaller flats, and 52% for members without property ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)).\n\nMOM attributed rising attainment to higher labour force participation and rising incomes, and noted that the gender gap had narrowed, with the ratio of men's to women's average CPF balances falling from 1.20 in 2006 to 1.13 in 2016. It also observed that BRS attainment tends to mirror property wealth ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)). The gaps point to the groups that targeted schemes aim at: women with interrupted careers, low-wage workers and members in smaller flats, supported through measures such as [matched top-ups](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-top-up-schemes) and [Workfare and Silver Support](\/en\/knowledge\/article\/sgkb.cpf-social-security.workfare-and-support-schemes).\n\n## Rising retirement sums and contribution rates\n\nThe retirement sums themselves are a recurring point of debate, because each cohort's BRS rises before it is fixed at 55. For cohorts turning 55 from 2023 to 2027, the BRS rises 3.5% a year, up from 3% previously. The Minister for Manpower explained in 2022 that the increase was set using lower-middle retiree household spending, long-term inflation and some rise in living standards, and that these cohorts had benefited from strong economic growth and a mature CPF system ([MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)).\n\nThe increases are scrutinised in Parliament: the 2022 answer explained the 3.5% annual increase for cohorts turning 55 from 2023 to 2027 with reference to lower-middle retiree household spending, long-term inflation and some increase in living standards ([MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)). In January 2026, MOM said it was reviewing BRS levels for cohorts turning 55 after 2027 and would announce any changes with sufficient advance notice; no post-2027 growth rate had yet been stated in that answer ([MOM, 13 Jan 2026](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum)). The Government has also raised contribution rates for workers aged above 55 to 65 in steps, with a further increase on 1 January 2027 allocated to the Retirement Account up to the Full Retirement Sum ([CPF Board, accessed Oct 2026](https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027)); see [cpf contributions](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-contributions).\n\n## Withdrawals, payout duration and the Advisory Panel\n\nPublic criticism of CPF has often focused on access to savings at 55. In a December 2019 clarification, CPF Board rejected the claim that members cannot withdraw unless they meet the Full Retirement Sum and the Basic Healthcare Sum, restating that members can withdraw S$5,000 from 55 and any amount above their cohort's FRS ([CPF Board, Dec 2019](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)); current rules are in [cpf withdrawals](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-withdrawals).\n\nThe same clarification addressed the shortening of Retirement Sum Scheme payouts from up to age 95 to age 90, explaining that the change responded to member feedback that payouts to 95 were too long, while still protecting two in three members from outliving their payouts. It also restated that CPF interest is guaranteed by the Government, with a 4% floor on Special, MediSave and Retirement Account monies maintained since 2008 ([CPF Board, Dec 2019](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)).\n\nStructural responses to adequacy concerns came through the CPF Advisory Panel, appointed by MOM in September 2014. The Government accepted the first part of its recommendations in February 2015, implemented from January 2016, and accepted the second part in 2016, leading to a CPF LIFE plan with escalating payouts to address rising costs of living and a simple, low-fee retirement investment scheme ([CPF Board, 3 Aug 2016](https:\/\/cpf.gov.sg\/member\/infohub\/news\/cpf-related-announcements\/cpf-advisory-panel-recommendations-part-two))."},"zh":{"title":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027","summary":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u662f\u5173\u4e8e\u65b0\u52a0\u5761 CPF \u50a8\u84c4\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u8db3\u591f\u9000\u4f11\u6536\u5165\u7684\u4e89\u8bba\uff1b\u5b98\u65b9\u4ee5\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\u7684\u6bd4\u4f8b\u6765\u8861\u91cf\u3002","markdown":"# CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\n\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u957f\u671f\u4ee5\u6765\u4e00\u76f4\u662f\u4e2a\u95ee\u9898\uff1a\u65b0\u52a0\u5761\u4e2d\u592e\u516c\u79ef\u91d1\uff08CPF\uff09\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u4e86\u8db3\u591f\u7684\u8001\u5e74\u6536\u5165\u3002\u7531\u4e8e CPF \u662f\u7f34\u8d39\u578b\u50a8\u84c4\u5236\u5ea6\uff0c\u800c\u975e\u73b0\u6536\u73b0\u4ed8\u517b\u8001\u91d1\uff0c\u6210\u5458\u7684\u9000\u4f11\u6536\u5165\u53d6\u51b3\u4e8e\u5176\u5de5\u4f5c\u7ecf\u5386\u3001\u5de5\u8d44\u3001\u4f4f\u623f\u9009\u62e9\u548c\u8865\u7f34\u91d1\u989d\u3002\u653f\u5e9c\u516c\u5e03\u7684\u4e3b\u8981\u8861\u91cf\u6307\u6807\uff0c\u662f\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3 CPF \u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\uff08BRS\uff09\u7684\u6bd4\u4f8b\uff1b\u8be5\u91d1\u989d\u7528\u4e8e\u652f\u4ed8\u57fa\u672c\u7684\u6bcf\u6708 [CPF LIFE](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-life) \u6b3e\u9879\u3002\u8be5\u5236\u5ea6\u7684\u6279\u8bc4\u8005\u548c\u652f\u6301\u8005\u4e3b\u8981\u4e89\u8bba\u8fd9\u4e00\u6307\u6807\u8bf4\u660e\u4e86\u4ec0\u4e48\uff0c\u4ee5\u53ca\u5b83\u9057\u6f0f\u4e86\u4ec0\u4e48\u3002CPF \u7684\u5386\u53f2\u548c\u5236\u5ea6\u8bbe\u8ba1\u89c1 [CPF \u6982\u8ff0](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-overview)\u3002\n\n## \u5982\u4f55\u8861\u91cf\u5145\u8db3\u6027\n\nCPF \u5c40\u7684\u8fbe\u6807\u7387\u8868\u683c\u6700\u540e\u66f4\u65b0\u4e8e 2026 \u5e74\u4e09\u6708 13 \u65e5\u3002\u8868\u683c\u663e\u793a\uff0c\u5728 2025 \u5e74\u5e74\u6ee1 55 \u5c81\u7684 CPF \u6210\u5458\u4e2d\uff0c75% \u7684\u6d3b\u8dc3\u6210\u5458\u548c 65% \u7684\u5168\u4f53\u6210\u5458\u5b58\u8db3\u4e86 BRS\u3002\u8868\u683c\u5217\u51fa\u4e86\u5206\u6bcd\uff1a41,800 \u540d\u6d3b\u8dc3\u6210\u5458\u548c\u603b\u8ba1 60,000 \u540d\u6210\u5458\u3002\u8868\u683c\u53e6\u62a5\u544a\uff0c56% \u7684\u6d3b\u8dc3\u6210\u5458\u548c 47% \u7684\u5168\u4f53\u6210\u5458\u5b58\u8db3\u4e86\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\uff08FRS\uff09\uff08[CPF \u5c40\uff0c2025 \u5e74\u9000\u4f11\u5b58\u6b3e\u989d\u8fbe\u6807\u7387\u8868\u683c](https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates)\uff09\u3002\u201c\u6d3b\u8dc3\u201d\u5728\u6b64\u6307\u5f53\u524d\u6216\u4e4b\u524d\u4e09\u4e2a\u6708\u5185\u81f3\u5c11\u7f34\u7eb3\u8fc7\u4e00\u6b21 CPF\uff1b\u6d3b\u8dc3\u6210\u5458\u4eba\u6570\u4e0d\u5305\u62ec\u6ca1\u6709\u540c\u65f6\u53d7\u96c7\u7684\u81ea\u96c7\u4eba\u58eb\u3002CPF \u6210\u5458\u662f\u6307\u4efb\u4f55 CPF \u8d26\u6237\u6709\u6b63\u4f59\u989d\u7684\u4eba\u3002\u8fd9\u4e9b\u662f\u4e0d\u540c\u7684\u5206\u6bcd\uff0c\u5e76\u975e\u5bf9\u540c\u4e00\u7fa4\u4f53\u7684\u76f8\u4e92\u7ade\u4e89\u4f30\u7b97\u3002\n\n\u4eba\u529b\u90e8\u65e9\u524d\u7684\u4e66\u9762\u7b54\u590d\u62a5\u544a\u79f0\uff0c2022 \u5e74\u7684\u7fa4\u4f53\u4e2d\u6709 27,800 \u540d\u6d3b\u8dc3\u6210\u5458\u5b58\u8db3 BRS\uff0c\u63a5\u8fd1\u8be5\u7fa4\u4f53\u7684 70%\uff1b\u76f8\u6bd4\u4e4b\u4e0b\uff0c2020 \u5e74\u4e3a 26,500 \u4eba\uff0c\u7ea6\u5360 66%\u3002\u4eba\u529b\u90e8\u9884\u8ba1 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u6709\u5341\u5206\u4e4b\u516b\u4f1a\u8fbe\u5230 BRS\uff0c\u8fd9\u4ecd\u662f\u9884\u6d4b\uff0c\u5e76\u975e\u5df2\u62a5\u544a\u7684\u7ed3\u679c\uff08[\u4eba\u529b\u90e8\uff0c2024 \u5e74\u4e00\u6708 10 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs)\uff1b[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u3002\n\n\u8be5\u6307\u6807\u6709\u660e\u786e\u7684\u4eba\u7fa4\u8303\u56f4\uff1a\u201c\u6d3b\u8dc3\u201d\u5e76\u4e0d\u5305\u62ec\u6bcf\u4e00\u4f4d CPF \u8d26\u6237\u6301\u6709\u4eba\uff1b\u6d3b\u8dc3\u6210\u5458\u4e0d\u5305\u62ec\u6ca1\u6709\u540c\u65f6\u53d7\u96c7\u7684\u81ea\u96c7\u4eba\u58eb\u3002\u4eba\u529b\u90e8\u8868\u793a\uff0c\u7531\u4e8e\u7ecf\u6d4e\u4e0d\u6d3b\u8dc3\u6210\u5458\u6ca1\u6709\u7f34\u8d39\u4e49\u52a1\uff0c\u56e0\u6b64\u8f83\u96be\u89e3\u8bfb\u4ed6\u4eec\u7684\u4f59\u989d\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002BRS \u662f\u57fa\u672c\u6807\u51c6\uff0c\u5e76\u4e0d\u4fdd\u8bc1\u9000\u4f11\u751f\u6d3b\u8212\u9002\uff1b\u56e0\u6b64\uff0c\u6279\u8bc4\u8005\u5c06\u8fbe\u6807\u7387\u89c6\u4e3a\u5e95\u7ebf\uff0c\u800c\u975e\u5b8c\u6574\u7684\u5145\u8db3\u6027\u8861\u91cf\u6807\u51c6\u3002\u5404\u5e74\u5ea6\u7fa4\u4f53\u5f53\u524d\u7684\u9000\u4f11\u5b58\u6b3e\u989d\u5217\u4e8e[\u5e74\u5ea6\u8d39\u7387](\/zh\/knowledge\/dataset\/sgkb.data.annual-rates)\u3002\n\n## \u54ea\u4e9b\u4eba\u672a\u8fbe\u6807\n\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u5728\u4e0d\u540c\u7fa4\u4f53\u4e4b\u95f4\u5e76\u4e0d\u5747\u8861\u3002\u4eba\u529b\u90e8\u5728 2019 \u5e74\u56db\u6708 1 \u65e5\u7684\u7b54\u590d\u4e2d\u62a5\u544a\uff0c2016 \u81f3 2018 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\uff0c\u7537\u6027\u7684 BRS \u8fbe\u6807\u7387\u4e3a 63% \u81f3 67%\uff0c\u5973\u6027\u4e3a 52% \u81f3 56%\u3002\u6309\u623f\u4ea7\u7c7b\u578b\u5212\u5206\uff0c2018 \u5e74\u7fa4\u4f53\u7684\u8fbe\u6807\u7387\u4e3a\uff1a\u79c1\u4eba\u623f\u4ea7\u62e5\u6709\u8005 90%\uff0c\u62e5\u6709 4 \u623f\u5f0f\u6216\u66f4\u5927\u578b\u5efa\u5c4b\u53d1\u5c55\u5c40\u7ec4\u5c4b\u7684\u6210\u5458 60%\uff0c\u62e5\u6709 3 \u623f\u5f0f\u6216\u66f4\u5c0f\u578b\u7ec4\u5c4b\u7684\u6210\u5458 40%\uff0c\u65e0\u623f\u4ea7\u7684\u6210\u5458 52%\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002\n\n\u4eba\u529b\u90e8\u5c06\u8fbe\u6807\u7387\u4e0a\u5347\u5f52\u56e0\u4e8e\u52b3\u52a8\u529b\u53c2\u4e0e\u7387\u63d0\u9ad8\u548c\u6536\u5165\u589e\u957f\uff0c\u5e76\u6307\u51fa\u6027\u522b\u5dee\u8ddd\u5df2\u7ecf\u7f29\u5c0f\uff1a\u7537\u6027\u4e0e\u5973\u6027 CPF \u5e73\u5747\u4f59\u989d\u7684\u6bd4\u7387\u4ece 2006 \u5e74\u7684 1.20 \u964d\u81f3 2016 \u5e74\u7684 1.13\u3002\u4eba\u529b\u90e8\u8fd8\u6307\u51fa\uff0cBRS \u8fbe\u6807\u7387\u5f80\u5f80\u4e0e\u623f\u4ea7\u8d22\u5bcc\u76f8\u547c\u5e94\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002\u8fd9\u4e9b\u5dee\u8ddd\u663e\u793a\u4e86\u9488\u5bf9\u6027\u8ba1\u5212\u65e8\u5728\u5e2e\u52a9\u7684\u7fa4\u4f53\uff1a\u804c\u4e1a\u751f\u6daf\u4e2d\u65ad\u7684\u5973\u6027\u3001\u4f4e\u85aa\u5de5\u4eba\u548c\u5c45\u4f4f\u5728\u8f83\u5c0f\u7ec4\u5c4b\u7684\u6210\u5458\uff1b\u76f8\u5173\u652f\u6301\u63aa\u65bd\u5305\u62ec[\u914d\u5bf9\u8865\u7f34](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-top-up-schemes)\u4ee5\u53ca[\u5c31\u4e1a\u5165\u606f\u8865\u52a9\u548c\u4e50\u9f84\u8865\u8d34](\/zh\/knowledge\/article\/sgkb.cpf-social-security.workfare-and-support-schemes)\u3002\n\n## \u9000\u4f11\u5b58\u6b3e\u989d\u548c\u7f34\u8d39\u7387\u4e0a\u8c03\n\n\u9000\u4f11\u5b58\u6b3e\u989d\u672c\u8eab\u7ecf\u5e38\u6210\u4e3a\u4e89\u8bba\u7126\u70b9\uff0c\u56e0\u4e3a\u6bcf\u4e2a\u7fa4\u4f53\u7684 BRS \u90fd\u4f1a\u5728\u6210\u5458\u5e74\u6ee1 55 \u5c81\u4e4b\u524d\u4e0a\u8c03\u3002\u5bf9\u4e8e 2023 \u81f3 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u7fa4\u4f53\uff0cBRS \u6bcf\u5e74\u4e0a\u8c03 3.5%\uff0c\u6b64\u524d\u4e3a 3%\u3002\u4eba\u529b\u90e8\u957f\u5728 2022 \u5e74\u89e3\u91ca\uff0c\u8fd9\u4e00\u589e\u5e45\u662f\u6839\u636e\u9000\u4f11\u5bb6\u5ead\u4e2d\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u5f00\u652f\u3001\u957f\u671f\u901a\u80c0\u548c\u751f\u6d3b\u6c34\u5e73\u9002\u5ea6\u63d0\u9ad8\u6765\u8bbe\u5b9a\u7684\uff0c\u800c\u4e14\u8fd9\u4e9b\u7fa4\u4f53\u53d7\u76ca\u4e8e\u5f3a\u52b2\u7684\u7ecf\u6d4e\u589e\u957f\u548c\u6210\u719f\u7684 CPF \u5236\u5ea6\uff08[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u3002\n\n\u8fd9\u4e9b\u4e0a\u8c03\u5e45\u5ea6\u53d7\u5230\u56fd\u4f1a\u5ba1\u89c6\uff1a2022 \u5e74\u7684\u7b54\u590d\u8bf4\u660e\uff0c2023 \u81f3 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u7fa4\u4f53\u6bcf\u5e74\u4e0a\u8c03 3.5%\uff0c\u4f9d\u636e\u662f\u9000\u4f11\u5bb6\u5ead\u4e2d\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u5f00\u652f\u3001\u957f\u671f\u901a\u80c0\u4ee5\u53ca\u751f\u6d3b\u6c34\u5e73\u6709\u6240\u63d0\u9ad8\uff08[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u30022026 \u5e74\u4e00\u6708\uff0c\u4eba\u529b\u90e8\u8868\u793a\u6b63\u5728\u68c0\u8ba8 2027 \u5e74\u540e\u5e74\u6ee1 55 \u5c81\u7fa4\u4f53\u7684 BRS \u6c34\u5e73\uff0c\u5e76\u5c06\u5728\u5ba3\u5e03\u4efb\u4f55\u8c03\u6574\u65f6\u7ed9\u4e88\u5145\u5206\u7684\u63d0\u524d\u901a\u77e5\uff1b\u8be5\u7b54\u590d\u5c1a\u672a\u8bf4\u660e 2027 \u5e74\u540e\u7684\u589e\u957f\u7387\uff08[\u4eba\u529b\u90e8\uff0c2026 \u5e74\u4e00\u6708 13 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum)\uff09\u3002\u653f\u5e9c\u4e5f\u5206\u9636\u6bb5\u63d0\u9ad8 55 \u5c81\u4ee5\u4e0a\u81f3 65 \u5c81\u5de5\u4eba\u7684\u7f34\u8d39\u7387\uff1b\u81ea 2027 \u5e74\u4e00\u6708 1 \u65e5\u8d77\u8fdb\u4e00\u6b65\u4e0a\u8c03\u7684\u90e8\u5206\u5c06\u62e8\u5165\u9000\u4f11\u6237\u5934\uff0c\u76f4\u81f3\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\uff08[CPF \u5c40\uff0c\u67e5\u9605\u4e8e 2026 \u5e74\u5341\u6708](https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027)\uff09\uff1b\u53e6\u89c1 [CPF \u7f34\u8d39](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-contributions)\u3002\n\n## \u63d0\u6b3e\u3001\u9886\u53d6\u6b3e\u9879\u671f\u9650\u548c\u54a8\u8be2\u5c0f\u7ec4\n\n\u516c\u4f17\u5bf9 CPF \u7684\u6279\u8bc4\u5f80\u5f80\u96c6\u4e2d\u5728\u6210\u5458\u5e74\u6ee1 55 \u5c81\u65f6\u80fd\u5426\u52a8\u7528\u50a8\u84c4\u3002CPF \u5c40\u5728 2019 \u5e74\u5341\u4e8c\u6708\u7684\u8bf4\u660e\u4e2d\u9a73\u65a5\u4e86\u201c\u6210\u5458\u9664\u975e\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\u548c\u57fa\u672c\u533b\u7597\u5b58\u6b3e\u989d\uff0c\u5426\u5219\u65e0\u6cd5\u63d0\u6b3e\u201d\u7684\u8bf4\u6cd5\uff0c\u5e76\u91cd\u7533\u6210\u5458\u5e74\u6ee1 55 \u5c81\u65f6\u53ef\u4ee5\u63d0\u53d6 5,000 \u65b0\u5143\uff0c\u4ee5\u53ca\u8d85\u8fc7\u5176\u6240\u5c5e\u7fa4\u4f53 FRS \u7684\u4efb\u4f55\u91d1\u989d\uff08[CPF \u5c40\uff0c2019 \u5e74\u5341\u4e8c\u6708](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)\uff09\uff1b\u73b0\u884c\u89c4\u5b9a\u89c1 [CPF \u63d0\u6b3e](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-withdrawals)\u3002\n\n\u540c\u4e00\u4efd\u8bf4\u660e\u4e5f\u8c08\u5230\u9000\u4f11\u5b58\u6b3e\u8ba1\u5212\u7684\u9886\u53d6\u6b3e\u9879\u671f\u9650\u4ece\u6700\u957f\u81f3 95 \u5c81\u7f29\u77ed\u81f3 90 \u5c81\uff0c\u5e76\u89e3\u91ca\u8fd9\u9879\u8c03\u6574\u56de\u5e94\u4e86\u6210\u5458\u7684\u53cd\u9988\uff1a\u9886\u53d6\u81f3 95 \u5c81\u7684\u671f\u9650\u8fc7\u957f\uff0c\u540c\u65f6\u4ecd\u4fdd\u969c\u4e09\u5206\u4e4b\u4e8c\u7684\u6210\u5458\u5728\u6709\u751f\u4e4b\u5e74\u4e0d\u4f1a\u9886\u5b8c\u6b3e\u9879\u3002\u8bf4\u660e\u8fd8\u91cd\u7533\uff0cCPF \u5229\u606f\u7531\u653f\u5e9c\u62c5\u4fdd\uff1b\u81ea 2008 \u5e74\u4ee5\u6765\uff0c\u7279\u522b\u6237\u5934\u3001\u4fdd\u5065\u50a8\u84c4\u6237\u5934\u548c\u9000\u4f11\u6237\u5934\u8d44\u91d1\u7684\u5229\u7387\u5e95\u9650\u7ef4\u6301\u5728 4%\uff08[CPF \u5c40\uff0c2019 \u5e74\u5341\u4e8c\u6708](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)\uff09\u3002\n\nCPF \u54a8\u8be2\u5c0f\u7ec4\u63d0\u51fa\u4e86\u5bf9\u5145\u8db3\u6027\u95ee\u9898\u7684\u7ed3\u6784\u6027\u56de\u5e94\u3002\u4eba\u529b\u90e8\u4e8e 2014 \u5e74\u4e5d\u6708\u59d4\u4efb\u8be5\u5c0f\u7ec4\u3002\u653f\u5e9c\u4e8e 2015 \u5e74\u4e8c\u6708\u63a5\u53d7\u5176\u7b2c\u4e00\u90e8\u5206\u5efa\u8bae\uff0c\u5e76\u4ece 2016 \u5e74\u4e00\u6708\u8d77\u5b9e\u65bd\uff1b\u653f\u5e9c\u4e8e 2016 \u5e74\u63a5\u53d7\u7b2c\u4e8c\u90e8\u5206\u5efa\u8bae\uff0c\u7531\u6b64\u63a8\u51fa\u53ef\u9010\u6b65\u63d0\u9ad8\u6b3e\u9879\u7684 CPF LIFE 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\u2014 Government accepts CPF Advisory Panel's Part Two recommendations"},{"url":"https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027","title":"CPF Board \u2014 Changes to CPF contribution rates for senior workers from 1 January 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\u2014 Written answer to PQ on the Basic Retirement Sum (5 July 2022)","accessed":"2026-10-14","published":"2022-07-05","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs","tier":1,"title":"MOM \u2014 Written answer on BRS, FRS, ERS and BHS attainment rates","accessed":"2026-10-14","published":"2024-01-10","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates","tier":1,"title":"CPF Board \u2014 Retirement sum attainment rates","accessed":"2026-10-14","publisher":"Central Provident Fund Board"},{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum","tier":1,"title":"MOM \u2014 Written 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PQ on the Basic Retirement Sum (5 July 2022)","accessed":"2026-10-14","published":"2022-07-05","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum","tier":1,"title":"MOM \u2014 Written answer on CPF Basic Retirement Sum beyond 2027","accessed":"2026-10-14","published":"2026-01-13","publisher":"Ministry of Manpower"},{"url":"https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027","tier":1,"title":"CPF Board \u2014 Changes to CPF contribution rates for senior workers from 1 January 2027","accessed":"2026-10-14","publisher":"Central Provident Fund 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rates","accessed":"2026-10-14","published":"2019-12-14","publisher":"Central Provident Fund Board"}]}],"locales":{"en":{"title":"CPF Retirement Adequacy","summary":"CPF retirement adequacy is the debate over whether Singapore's CPF savings give members enough retirement income, measured officially by how many active members turning 55 can set aside the Basic Retirement Sum.","markdown":"# CPF Retirement Adequacy\n\nCPF retirement adequacy is the long-running question of whether Singapore's Central Provident Fund (CPF) gives members enough income in old age. Because CPF is a contribution-based savings system rather than a pay-as-you-go pension, a member's retirement income depends on that member's working history, wages, housing choices and top-ups. The Government's main published measure is the share of active CPF members turning 55 who can set aside the Basic Retirement Sum (BRS), the amount that funds a basic monthly [CPF LIFE](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-life) payout. Critics and supporters of the system largely argue over what that measure shows and leaves out. The history and design of CPF are covered in [cpf overview](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-overview).\n\n## How adequacy is measured\n\nCPF Board's attainment table, last updated 13 March 2026, reports that among CPF members aged 55 in 2025, 75% of active members and 65% of all members had set aside the BRS. The table gives the denominators: 41,800 active members and 60,000 members in total. It separately reports that 56% of active members and 47% of all members set aside the Full Retirement Sum (FRS) ([CPF Board, 2025 retirement-sum attainment table](https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates)). \u201cActive\u201d here means at least one CPF contribution paid in the current or preceding three months; the active-member count excludes self-employed people who are not concurrently employees. A CPF member is someone with a positive balance in any CPF account. These are different denominators, not competing estimates of the same population.\n\nMOM's earlier written answer reported BRS attainment of 27,800 active members, almost 70% of the cohort, in 2022, compared with 26,500 or about 66% in 2020. Its expectation that eight in ten active members turning 55 in 2027 would attain the BRS remains a projection, not a reported outcome ([MOM, 10 Jan 2024](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs); [MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)).\n\nThe measure has a deliberate population boundary: \u201cactive\u201d is not every CPF account holder, and active members exclude self-employed people who are not concurrently employees. MOM has said balances of economically inactive members are harder to interpret because they are not required to contribute ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)). The BRS is a basic standard, not a guarantee of comfortable retirement; critics therefore treat attainment as a floor rather than a complete adequacy measure. Current cohort retirement sums are listed in [annual rates](\/en\/knowledge\/dataset\/sgkb.data.annual-rates).\n\n## Who falls short\n\nCPF retirement adequacy is uneven across groups. In its 1 April 2019 answer, MOM reported BRS attainment among active members turning 55 from 2016 to 2018 of 63% to 67% for men and 52% to 56% for women. By property type, attainment for the 2018 cohort was 90% for private-property owners, 60% for owners of 4-room or larger HDB flats, 40% for owners of 3-room or smaller flats, and 52% for members without property ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)).\n\nMOM attributed rising attainment to higher labour force participation and rising incomes, and noted that the gender gap had narrowed, with the ratio of men's to women's average CPF balances falling from 1.20 in 2006 to 1.13 in 2016. It also observed that BRS attainment tends to mirror property wealth ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)). The gaps point to the groups that targeted schemes aim at: women with interrupted careers, low-wage workers and members in smaller flats, supported through measures such as [matched top-ups](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-top-up-schemes) and [Workfare and Silver Support](\/en\/knowledge\/article\/sgkb.cpf-social-security.workfare-and-support-schemes).\n\n## Rising retirement sums and contribution rates\n\nThe retirement sums themselves are a recurring point of debate, because each cohort's BRS rises before it is fixed at 55. For cohorts turning 55 from 2023 to 2027, the BRS rises 3.5% a year, up from 3% previously. The Minister for Manpower explained in 2022 that the increase was set using lower-middle retiree household spending, long-term inflation and some rise in living standards, and that these cohorts had benefited from strong economic growth and a mature CPF system ([MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)).\n\nThe increases are scrutinised in Parliament: the 2022 answer explained the 3.5% annual increase for cohorts turning 55 from 2023 to 2027 with reference to lower-middle retiree household spending, long-term inflation and some increase in living standards ([MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)). In January 2026, MOM said it was reviewing BRS levels for cohorts turning 55 after 2027 and would announce any changes with sufficient advance notice; no post-2027 growth rate had yet been stated in that answer ([MOM, 13 Jan 2026](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum)). The Government has also raised contribution rates for workers aged above 55 to 65 in steps, with a further increase on 1 January 2027 allocated to the Retirement Account up to the Full Retirement Sum ([CPF Board, accessed Oct 2026](https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027)); see [cpf contributions](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-contributions).\n\n## Withdrawals, payout duration and the Advisory Panel\n\nPublic criticism of CPF has often focused on access to savings at 55. In a December 2019 clarification, CPF Board rejected the claim that members cannot withdraw unless they meet the Full Retirement Sum and the Basic Healthcare Sum, restating that members can withdraw S$5,000 from 55 and any amount above their cohort's FRS ([CPF Board, Dec 2019](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)); current rules are in [cpf withdrawals](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-withdrawals).\n\nThe same clarification addressed the shortening of Retirement Sum Scheme payouts from up to age 95 to age 90, explaining that the change responded to member feedback that payouts to 95 were too long, while still protecting two in three members from outliving their payouts. It also restated that CPF interest is guaranteed by the Government, with a 4% floor on Special, MediSave and Retirement Account monies maintained since 2008 ([CPF Board, Dec 2019](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)).\n\nStructural responses to adequacy concerns came through the CPF Advisory Panel, appointed by MOM in September 2014. The Government accepted the first part of its recommendations in February 2015, implemented from January 2016, and accepted the second part in 2016, leading to a CPF LIFE plan with escalating payouts to address rising costs of living and a simple, low-fee retirement investment scheme ([CPF Board, 3 Aug 2016](https:\/\/cpf.gov.sg\/member\/infohub\/news\/cpf-related-announcements\/cpf-advisory-panel-recommendations-part-two))."},"zh":{"title":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027","summary":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u662f\u5173\u4e8e\u65b0\u52a0\u5761 CPF \u50a8\u84c4\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u8db3\u591f\u9000\u4f11\u6536\u5165\u7684\u4e89\u8bba\uff1b\u5b98\u65b9\u4ee5\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\u7684\u6bd4\u4f8b\u6765\u8861\u91cf\u3002","markdown":"# CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\n\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u957f\u671f\u4ee5\u6765\u4e00\u76f4\u662f\u4e2a\u95ee\u9898\uff1a\u65b0\u52a0\u5761\u4e2d\u592e\u516c\u79ef\u91d1\uff08CPF\uff09\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u4e86\u8db3\u591f\u7684\u8001\u5e74\u6536\u5165\u3002\u7531\u4e8e CPF \u662f\u7f34\u8d39\u578b\u50a8\u84c4\u5236\u5ea6\uff0c\u800c\u975e\u73b0\u6536\u73b0\u4ed8\u517b\u8001\u91d1\uff0c\u6210\u5458\u7684\u9000\u4f11\u6536\u5165\u53d6\u51b3\u4e8e\u5176\u5de5\u4f5c\u7ecf\u5386\u3001\u5de5\u8d44\u3001\u4f4f\u623f\u9009\u62e9\u548c\u8865\u7f34\u91d1\u989d\u3002\u653f\u5e9c\u516c\u5e03\u7684\u4e3b\u8981\u8861\u91cf\u6307\u6807\uff0c\u662f\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3 CPF \u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\uff08BRS\uff09\u7684\u6bd4\u4f8b\uff1b\u8be5\u91d1\u989d\u7528\u4e8e\u652f\u4ed8\u57fa\u672c\u7684\u6bcf\u6708 [CPF LIFE](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-life) \u6b3e\u9879\u3002\u8be5\u5236\u5ea6\u7684\u6279\u8bc4\u8005\u548c\u652f\u6301\u8005\u4e3b\u8981\u4e89\u8bba\u8fd9\u4e00\u6307\u6807\u8bf4\u660e\u4e86\u4ec0\u4e48\uff0c\u4ee5\u53ca\u5b83\u9057\u6f0f\u4e86\u4ec0\u4e48\u3002CPF \u7684\u5386\u53f2\u548c\u5236\u5ea6\u8bbe\u8ba1\u89c1 [CPF \u6982\u8ff0](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-overview)\u3002\n\n## \u5982\u4f55\u8861\u91cf\u5145\u8db3\u6027\n\nCPF \u5c40\u7684\u8fbe\u6807\u7387\u8868\u683c\u6700\u540e\u66f4\u65b0\u4e8e 2026 \u5e74\u4e09\u6708 13 \u65e5\u3002\u8868\u683c\u663e\u793a\uff0c\u5728 2025 \u5e74\u5e74\u6ee1 55 \u5c81\u7684 CPF \u6210\u5458\u4e2d\uff0c75% \u7684\u6d3b\u8dc3\u6210\u5458\u548c 65% \u7684\u5168\u4f53\u6210\u5458\u5b58\u8db3\u4e86 BRS\u3002\u8868\u683c\u5217\u51fa\u4e86\u5206\u6bcd\uff1a41,800 \u540d\u6d3b\u8dc3\u6210\u5458\u548c\u603b\u8ba1 60,000 \u540d\u6210\u5458\u3002\u8868\u683c\u53e6\u62a5\u544a\uff0c56% \u7684\u6d3b\u8dc3\u6210\u5458\u548c 47% \u7684\u5168\u4f53\u6210\u5458\u5b58\u8db3\u4e86\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\uff08FRS\uff09\uff08[CPF \u5c40\uff0c2025 \u5e74\u9000\u4f11\u5b58\u6b3e\u989d\u8fbe\u6807\u7387\u8868\u683c](https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates)\uff09\u3002\u201c\u6d3b\u8dc3\u201d\u5728\u6b64\u6307\u5f53\u524d\u6216\u4e4b\u524d\u4e09\u4e2a\u6708\u5185\u81f3\u5c11\u7f34\u7eb3\u8fc7\u4e00\u6b21 CPF\uff1b\u6d3b\u8dc3\u6210\u5458\u4eba\u6570\u4e0d\u5305\u62ec\u6ca1\u6709\u540c\u65f6\u53d7\u96c7\u7684\u81ea\u96c7\u4eba\u58eb\u3002CPF \u6210\u5458\u662f\u6307\u4efb\u4f55 CPF \u8d26\u6237\u6709\u6b63\u4f59\u989d\u7684\u4eba\u3002\u8fd9\u4e9b\u662f\u4e0d\u540c\u7684\u5206\u6bcd\uff0c\u5e76\u975e\u5bf9\u540c\u4e00\u7fa4\u4f53\u7684\u76f8\u4e92\u7ade\u4e89\u4f30\u7b97\u3002\n\n\u4eba\u529b\u90e8\u65e9\u524d\u7684\u4e66\u9762\u7b54\u590d\u62a5\u544a\u79f0\uff0c2022 \u5e74\u7684\u7fa4\u4f53\u4e2d\u6709 27,800 \u540d\u6d3b\u8dc3\u6210\u5458\u5b58\u8db3 BRS\uff0c\u63a5\u8fd1\u8be5\u7fa4\u4f53\u7684 70%\uff1b\u76f8\u6bd4\u4e4b\u4e0b\uff0c2020 \u5e74\u4e3a 26,500 \u4eba\uff0c\u7ea6\u5360 66%\u3002\u4eba\u529b\u90e8\u9884\u8ba1 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u6709\u5341\u5206\u4e4b\u516b\u4f1a\u8fbe\u5230 BRS\uff0c\u8fd9\u4ecd\u662f\u9884\u6d4b\uff0c\u5e76\u975e\u5df2\u62a5\u544a\u7684\u7ed3\u679c\uff08[\u4eba\u529b\u90e8\uff0c2024 \u5e74\u4e00\u6708 10 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs)\uff1b[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u3002\n\n\u8be5\u6307\u6807\u6709\u660e\u786e\u7684\u4eba\u7fa4\u8303\u56f4\uff1a\u201c\u6d3b\u8dc3\u201d\u5e76\u4e0d\u5305\u62ec\u6bcf\u4e00\u4f4d CPF \u8d26\u6237\u6301\u6709\u4eba\uff1b\u6d3b\u8dc3\u6210\u5458\u4e0d\u5305\u62ec\u6ca1\u6709\u540c\u65f6\u53d7\u96c7\u7684\u81ea\u96c7\u4eba\u58eb\u3002\u4eba\u529b\u90e8\u8868\u793a\uff0c\u7531\u4e8e\u7ecf\u6d4e\u4e0d\u6d3b\u8dc3\u6210\u5458\u6ca1\u6709\u7f34\u8d39\u4e49\u52a1\uff0c\u56e0\u6b64\u8f83\u96be\u89e3\u8bfb\u4ed6\u4eec\u7684\u4f59\u989d\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002BRS \u662f\u57fa\u672c\u6807\u51c6\uff0c\u5e76\u4e0d\u4fdd\u8bc1\u9000\u4f11\u751f\u6d3b\u8212\u9002\uff1b\u56e0\u6b64\uff0c\u6279\u8bc4\u8005\u5c06\u8fbe\u6807\u7387\u89c6\u4e3a\u5e95\u7ebf\uff0c\u800c\u975e\u5b8c\u6574\u7684\u5145\u8db3\u6027\u8861\u91cf\u6807\u51c6\u3002\u5404\u5e74\u5ea6\u7fa4\u4f53\u5f53\u524d\u7684\u9000\u4f11\u5b58\u6b3e\u989d\u5217\u4e8e[\u5e74\u5ea6\u8d39\u7387](\/zh\/knowledge\/dataset\/sgkb.data.annual-rates)\u3002\n\n## \u54ea\u4e9b\u4eba\u672a\u8fbe\u6807\n\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u5728\u4e0d\u540c\u7fa4\u4f53\u4e4b\u95f4\u5e76\u4e0d\u5747\u8861\u3002\u4eba\u529b\u90e8\u5728 2019 \u5e74\u56db\u6708 1 \u65e5\u7684\u7b54\u590d\u4e2d\u62a5\u544a\uff0c2016 \u81f3 2018 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\uff0c\u7537\u6027\u7684 BRS \u8fbe\u6807\u7387\u4e3a 63% \u81f3 67%\uff0c\u5973\u6027\u4e3a 52% \u81f3 56%\u3002\u6309\u623f\u4ea7\u7c7b\u578b\u5212\u5206\uff0c2018 \u5e74\u7fa4\u4f53\u7684\u8fbe\u6807\u7387\u4e3a\uff1a\u79c1\u4eba\u623f\u4ea7\u62e5\u6709\u8005 90%\uff0c\u62e5\u6709 4 \u623f\u5f0f\u6216\u66f4\u5927\u578b\u5efa\u5c4b\u53d1\u5c55\u5c40\u7ec4\u5c4b\u7684\u6210\u5458 60%\uff0c\u62e5\u6709 3 \u623f\u5f0f\u6216\u66f4\u5c0f\u578b\u7ec4\u5c4b\u7684\u6210\u5458 40%\uff0c\u65e0\u623f\u4ea7\u7684\u6210\u5458 52%\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002\n\n\u4eba\u529b\u90e8\u5c06\u8fbe\u6807\u7387\u4e0a\u5347\u5f52\u56e0\u4e8e\u52b3\u52a8\u529b\u53c2\u4e0e\u7387\u63d0\u9ad8\u548c\u6536\u5165\u589e\u957f\uff0c\u5e76\u6307\u51fa\u6027\u522b\u5dee\u8ddd\u5df2\u7ecf\u7f29\u5c0f\uff1a\u7537\u6027\u4e0e\u5973\u6027 CPF \u5e73\u5747\u4f59\u989d\u7684\u6bd4\u7387\u4ece 2006 \u5e74\u7684 1.20 \u964d\u81f3 2016 \u5e74\u7684 1.13\u3002\u4eba\u529b\u90e8\u8fd8\u6307\u51fa\uff0cBRS \u8fbe\u6807\u7387\u5f80\u5f80\u4e0e\u623f\u4ea7\u8d22\u5bcc\u76f8\u547c\u5e94\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002\u8fd9\u4e9b\u5dee\u8ddd\u663e\u793a\u4e86\u9488\u5bf9\u6027\u8ba1\u5212\u65e8\u5728\u5e2e\u52a9\u7684\u7fa4\u4f53\uff1a\u804c\u4e1a\u751f\u6daf\u4e2d\u65ad\u7684\u5973\u6027\u3001\u4f4e\u85aa\u5de5\u4eba\u548c\u5c45\u4f4f\u5728\u8f83\u5c0f\u7ec4\u5c4b\u7684\u6210\u5458\uff1b\u76f8\u5173\u652f\u6301\u63aa\u65bd\u5305\u62ec[\u914d\u5bf9\u8865\u7f34](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-top-up-schemes)\u4ee5\u53ca[\u5c31\u4e1a\u5165\u606f\u8865\u52a9\u548c\u4e50\u9f84\u8865\u8d34](\/zh\/knowledge\/article\/sgkb.cpf-social-security.workfare-and-support-schemes)\u3002\n\n## \u9000\u4f11\u5b58\u6b3e\u989d\u548c\u7f34\u8d39\u7387\u4e0a\u8c03\n\n\u9000\u4f11\u5b58\u6b3e\u989d\u672c\u8eab\u7ecf\u5e38\u6210\u4e3a\u4e89\u8bba\u7126\u70b9\uff0c\u56e0\u4e3a\u6bcf\u4e2a\u7fa4\u4f53\u7684 BRS \u90fd\u4f1a\u5728\u6210\u5458\u5e74\u6ee1 55 \u5c81\u4e4b\u524d\u4e0a\u8c03\u3002\u5bf9\u4e8e 2023 \u81f3 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u7fa4\u4f53\uff0cBRS \u6bcf\u5e74\u4e0a\u8c03 3.5%\uff0c\u6b64\u524d\u4e3a 3%\u3002\u4eba\u529b\u90e8\u957f\u5728 2022 \u5e74\u89e3\u91ca\uff0c\u8fd9\u4e00\u589e\u5e45\u662f\u6839\u636e\u9000\u4f11\u5bb6\u5ead\u4e2d\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u5f00\u652f\u3001\u957f\u671f\u901a\u80c0\u548c\u751f\u6d3b\u6c34\u5e73\u9002\u5ea6\u63d0\u9ad8\u6765\u8bbe\u5b9a\u7684\uff0c\u800c\u4e14\u8fd9\u4e9b\u7fa4\u4f53\u53d7\u76ca\u4e8e\u5f3a\u52b2\u7684\u7ecf\u6d4e\u589e\u957f\u548c\u6210\u719f\u7684 CPF \u5236\u5ea6\uff08[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u3002\n\n\u8fd9\u4e9b\u4e0a\u8c03\u5e45\u5ea6\u53d7\u5230\u56fd\u4f1a\u5ba1\u89c6\uff1a2022 \u5e74\u7684\u7b54\u590d\u8bf4\u660e\uff0c2023 \u81f3 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u7fa4\u4f53\u6bcf\u5e74\u4e0a\u8c03 3.5%\uff0c\u4f9d\u636e\u662f\u9000\u4f11\u5bb6\u5ead\u4e2d\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u5f00\u652f\u3001\u957f\u671f\u901a\u80c0\u4ee5\u53ca\u751f\u6d3b\u6c34\u5e73\u6709\u6240\u63d0\u9ad8\uff08[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u30022026 \u5e74\u4e00\u6708\uff0c\u4eba\u529b\u90e8\u8868\u793a\u6b63\u5728\u68c0\u8ba8 2027 \u5e74\u540e\u5e74\u6ee1 55 \u5c81\u7fa4\u4f53\u7684 BRS \u6c34\u5e73\uff0c\u5e76\u5c06\u5728\u5ba3\u5e03\u4efb\u4f55\u8c03\u6574\u65f6\u7ed9\u4e88\u5145\u5206\u7684\u63d0\u524d\u901a\u77e5\uff1b\u8be5\u7b54\u590d\u5c1a\u672a\u8bf4\u660e 2027 \u5e74\u540e\u7684\u589e\u957f\u7387\uff08[\u4eba\u529b\u90e8\uff0c2026 \u5e74\u4e00\u6708 13 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum)\uff09\u3002\u653f\u5e9c\u4e5f\u5206\u9636\u6bb5\u63d0\u9ad8 55 \u5c81\u4ee5\u4e0a\u81f3 65 \u5c81\u5de5\u4eba\u7684\u7f34\u8d39\u7387\uff1b\u81ea 2027 \u5e74\u4e00\u6708 1 \u65e5\u8d77\u8fdb\u4e00\u6b65\u4e0a\u8c03\u7684\u90e8\u5206\u5c06\u62e8\u5165\u9000\u4f11\u6237\u5934\uff0c\u76f4\u81f3\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\uff08[CPF \u5c40\uff0c\u67e5\u9605\u4e8e 2026 \u5e74\u5341\u6708](https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027)\uff09\uff1b\u53e6\u89c1 [CPF \u7f34\u8d39](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-contributions)\u3002\n\n## \u63d0\u6b3e\u3001\u9886\u53d6\u6b3e\u9879\u671f\u9650\u548c\u54a8\u8be2\u5c0f\u7ec4\n\n\u516c\u4f17\u5bf9 CPF \u7684\u6279\u8bc4\u5f80\u5f80\u96c6\u4e2d\u5728\u6210\u5458\u5e74\u6ee1 55 \u5c81\u65f6\u80fd\u5426\u52a8\u7528\u50a8\u84c4\u3002CPF \u5c40\u5728 2019 \u5e74\u5341\u4e8c\u6708\u7684\u8bf4\u660e\u4e2d\u9a73\u65a5\u4e86\u201c\u6210\u5458\u9664\u975e\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\u548c\u57fa\u672c\u533b\u7597\u5b58\u6b3e\u989d\uff0c\u5426\u5219\u65e0\u6cd5\u63d0\u6b3e\u201d\u7684\u8bf4\u6cd5\uff0c\u5e76\u91cd\u7533\u6210\u5458\u5e74\u6ee1 55 \u5c81\u65f6\u53ef\u4ee5\u63d0\u53d6 5,000 \u65b0\u5143\uff0c\u4ee5\u53ca\u8d85\u8fc7\u5176\u6240\u5c5e\u7fa4\u4f53 FRS \u7684\u4efb\u4f55\u91d1\u989d\uff08[CPF \u5c40\uff0c2019 \u5e74\u5341\u4e8c\u6708](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)\uff09\uff1b\u73b0\u884c\u89c4\u5b9a\u89c1 [CPF \u63d0\u6b3e](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-withdrawals)\u3002\n\n\u540c\u4e00\u4efd\u8bf4\u660e\u4e5f\u8c08\u5230\u9000\u4f11\u5b58\u6b3e\u8ba1\u5212\u7684\u9886\u53d6\u6b3e\u9879\u671f\u9650\u4ece\u6700\u957f\u81f3 95 \u5c81\u7f29\u77ed\u81f3 90 \u5c81\uff0c\u5e76\u89e3\u91ca\u8fd9\u9879\u8c03\u6574\u56de\u5e94\u4e86\u6210\u5458\u7684\u53cd\u9988\uff1a\u9886\u53d6\u81f3 95 \u5c81\u7684\u671f\u9650\u8fc7\u957f\uff0c\u540c\u65f6\u4ecd\u4fdd\u969c\u4e09\u5206\u4e4b\u4e8c\u7684\u6210\u5458\u5728\u6709\u751f\u4e4b\u5e74\u4e0d\u4f1a\u9886\u5b8c\u6b3e\u9879\u3002\u8bf4\u660e\u8fd8\u91cd\u7533\uff0cCPF \u5229\u606f\u7531\u653f\u5e9c\u62c5\u4fdd\uff1b\u81ea 2008 \u5e74\u4ee5\u6765\uff0c\u7279\u522b\u6237\u5934\u3001\u4fdd\u5065\u50a8\u84c4\u6237\u5934\u548c\u9000\u4f11\u6237\u5934\u8d44\u91d1\u7684\u5229\u7387\u5e95\u9650\u7ef4\u6301\u5728 4%\uff08[CPF \u5c40\uff0c2019 \u5e74\u5341\u4e8c\u6708](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)\uff09\u3002\n\nCPF \u54a8\u8be2\u5c0f\u7ec4\u63d0\u51fa\u4e86\u5bf9\u5145\u8db3\u6027\u95ee\u9898\u7684\u7ed3\u6784\u6027\u56de\u5e94\u3002\u4eba\u529b\u90e8\u4e8e 2014 \u5e74\u4e5d\u6708\u59d4\u4efb\u8be5\u5c0f\u7ec4\u3002\u653f\u5e9c\u4e8e 2015 \u5e74\u4e8c\u6708\u63a5\u53d7\u5176\u7b2c\u4e00\u90e8\u5206\u5efa\u8bae\uff0c\u5e76\u4ece 2016 \u5e74\u4e00\u6708\u8d77\u5b9e\u65bd\uff1b\u653f\u5e9c\u4e8e 2016 \u5e74\u63a5\u53d7\u7b2c\u4e8c\u90e8\u5206\u5efa\u8bae\uff0c\u7531\u6b64\u63a8\u51fa\u53ef\u9010\u6b65\u63d0\u9ad8\u6b3e\u9879\u7684 CPF LIFE \u8ba1\u5212\uff0c\u4ee5\u5e94\u5bf9\u751f\u6d3b\u6210\u672c\u4e0a\u6da8\uff0c\u5e76\u63a8\u51fa\u7b80\u5355\u3001\u4f4e\u6536\u8d39\u7684\u9000\u4f11\u6295\u8d44\u8ba1\u5212\uff08[CPF \u5c40\uff0c2016 \u5e74\u516b\u6708 3 \u65e5](https:\/\/cpf.gov.sg\/member\/infohub\/news\/cpf-related-announcements\/cpf-advisory-panel-recommendations-part-two)\uff09\u3002"}},"title_en":"CPF Retirement Adequacy","title_zh":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027","source_id":"sgkb.cpf-social-security.cpf-retirement-adequacy","input_hash":"73030ffea8db370b5deba74a8dacb22d3a46e5463e4bf0f666ffcf9d9dee51c2","summary_en":"CPF retirement adequacy is the debate over whether Singapore's CPF savings give members enough retirement income, measured officially by how many active members turning 55 can set aside the Basic Retirement Sum.","summary_zh":"CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u662f\u5173\u4e8e\u65b0\u52a0\u5761 CPF \u50a8\u84c4\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u8db3\u591f\u9000\u4f11\u6536\u5165\u7684\u4e89\u8bba\uff1b\u5b98\u65b9\u4ee5\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\u7684\u6bd4\u4f8b\u6765\u8861\u91cf\u3002","bundle_sha256":"a40766305abc16909d8c0ebc8231c31596ff8547264a43ae958159f718ddfa5e","evidence_paths":["source\/cpf-social-security\/cpf-retirement-adequacy.md","artefacts\/retrieval-chunks.jsonl","artefacts\/document-classification.jsonl"],"expected_version":0},"search_text":"CPF Retirement Adequacy\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\nCPF retirement adequacy is the debate over whether Singapore's CPF savings give members enough retirement income, measured officially by how many active members turning 55 can set aside the Basic Retirement Sum.\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u662f\u5173\u4e8e\u65b0\u52a0\u5761 CPF \u50a8\u84c4\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u8db3\u591f\u9000\u4f11\u6536\u5165\u7684\u4e89\u8bba\uff1b\u5b98\u65b9\u4ee5\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\u7684\u6bd4\u4f8b\u6765\u8861\u91cf\u3002\n{\"aliases\":[\"CPF adequacy\",\"Basic Retirement Sum attainment\",\"CPF Advisory Panel\",\"retirement adequacy Singapore\"],\"classification_confidence\":\"medium\",\"classification_source\":\"domain-default\",\"document_id\":\"sgkb.cpf-social-security.cpf-retirement-adequacy\",\"document_sha256\":\"38f82d843b6770398581edbdda10af69b73cedf967fe77ed504fe1da30ff8a2e\",\"document_type\":\"article\",\"domain\":\"cpf-social-security\",\"entities\":[\"sg.agency.cpf-board\"],\"facets\":[\"controversy\",\"history\",\"policy\",\"statistics\"],\"geographic_scope\":[\"national\"],\"jurisdiction\":\"SG\",\"language\":\"en\",\"last_verified\":\"2026-10-14\",\"path\":\"cpf-social-security\\\/cpf-retirement-adequacy.md\",\"related\":[\"cpf-overview\",\"cpf-life\",\"cpf-withdrawals\",\"cpf-top-up-schemes\",\"workfare-and-support-schemes\"],\"sources\":[{\"accessed\":\"2026-10-14\",\"published\":\"2022-07-05\",\"publisher\":\"Ministry of Manpower\",\"tier\":1,\"title\":\"MOM \u2014 Written answer to PQ on the Basic Retirement Sum (5 July 2022)\",\"url\":\"https:\\\/\\\/www.mom.gov.sg\\\/newsroom\\\/parliament-questions-and-replies\\\/2022\\\/0705-written-answer-to-pq-on-the-basic-retirement-sum\"},{\"accessed\":\"2026-10-14\",\"published\":\"2024-01-10\",\"publisher\":\"Ministry of Manpower\",\"tier\":1,\"title\":\"MOM \u2014 Written answer on BRS, FRS, ERS and BHS attainment rates\",\"url\":\"https:\\\/\\\/www.mom.gov.sg\\\/newsroom\\\/parliament-questions-and-replies\\\/2024\\\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs\"},{\"accessed\":\"2026-10-14\",\"publisher\":\"Central Provident Fund Board\",\"tier\":1,\"title\":\"CPF Board \u2014 Retirement sum attainment rates\",\"url\":\"https:\\\/\\\/www.cpf.gov.sg\\\/member\\\/infohub\\\/reports-and-statistics\\\/cpf-statistics\\\/retirement-statistics\\\/retirement-sum-attainment-rates\"},{\"accessed\":\"2026-10-14\",\"published\":\"2026-01-13\",\"publisher\":\"Ministry of Manpower\",\"tier\":1,\"title\":\"MOM \u2014 Written answer on CPF Basic Retirement Sum beyond 2027\",\"url\":\"https:\\\/\\\/www.mom.gov.sg\\\/newsroom\\\/parliament-questions-and-replies\\\/2026\\\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum\"},{\"accessed\":\"2026-10-14\",\"published\":\"2019-04-01\",\"publisher\":\"Ministry of Manpower\",\"tier\":1,\"title\":\"MOM \u2014 Written answer to parliamentary question on CPF Basic Retirement Sum (1 April 2019)\",\"url\":\"https:\\\/\\\/www.mom.gov.sg\\\/newsroom\\\/parliament-questions-and-replies\\\/2019\\\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum\"},{\"accessed\":\"2026-10-14\",\"published\":\"2019-12-14\",\"publisher\":\"Central Provident Fund Board\",\"tier\":1,\"title\":\"CPF Board \u2014 CPF withdrawal policy, Retirement Sum Scheme payout duration and CPF interest rates\",\"url\":\"https:\\\/\\\/www.cpf.gov.sg\\\/member\\\/infohub\\\/cpf-clarifies\\\/clarifications\\\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates\"},{\"accessed\":\"2026-10-14\",\"published\":\"2016-08-03\",\"publisher\":\"Ministry of Manpower\",\"tier\":1,\"title\":\"MOM \u2014 Government accepts CPF Advisory Panel's Part Two recommendations\",\"url\":\"https:\\\/\\\/www.mom.gov.sg\\\/-\\\/media\\\/mom\\\/documents\\\/employment-practices\\\/cpf-advisory-panel\\\/press-releases\\\/press-release-3-aug-2016.pdf\"},{\"accessed\":\"2026-10-14\",\"publisher\":\"Central Provident Fund Board\",\"tier\":1,\"title\":\"CPF Board \u2014 Changes to CPF contribution rates for senior workers from 1 January 2027\",\"url\":\"https:\\\/\\\/www.cpf.gov.sg\\\/service\\\/article\\\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027\"}],\"status\":\"verified\",\"summary\":\"CPF retirement adequacy is the debate over whether Singapore's CPF savings give members enough retirement income, measured officially by how many active members turning 55 can set aside the Basic Retirement Sum.\",\"tags\":[\"cpf\",\"retirement\",\"inequality\",\"controversy\",\"statistics\"],\"temporal_scope\":\"mixed\",\"title\":\"CPF Retirement Adequacy\",\"topics\":[\"sgtopic.social-security\",\"sgtopic.social-security.retirement-adequacy\"],\"volatility\":\"slow\"}\n# CPF Retirement Adequacy\n\nCPF retirement adequacy is the long-running question of whether Singapore's Central Provident Fund (CPF) gives members enough income in old age. Because CPF is a contribution-based savings system rather than a pay-as-you-go pension, a member's retirement income depends on that member's working history, wages, housing choices and top-ups. The Government's main published measure is the share of active CPF members turning 55 who can set aside the Basic Retirement Sum (BRS), the amount that funds a basic monthly [CPF LIFE](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-life) payout. Critics and supporters of the system largely argue over what that measure shows and leaves out. The history and design of CPF are covered in [cpf overview](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-overview).\n\n## How adequacy is measured\n\nCPF Board's attainment table, last updated 13 March 2026, reports that among CPF members aged 55 in 2025, 75% of active members and 65% of all members had set aside the BRS. The table gives the denominators: 41,800 active members and 60,000 members in total. It separately reports that 56% of active members and 47% of all members set aside the Full Retirement Sum (FRS) ([CPF Board, 2025 retirement-sum attainment table](https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates)). \u201cActive\u201d here means at least one CPF contribution paid in the current or preceding three months; the active-member count excludes self-employed people who are not concurrently employees. A CPF member is someone with a positive balance in any CPF account. These are different denominators, not competing estimates of the same population.\n\nMOM's earlier written answer reported BRS attainment of 27,800 active members, almost 70% of the cohort, in 2022, compared with 26,500 or about 66% in 2020. Its expectation that eight in ten active members turning 55 in 2027 would attain the BRS remains a projection, not a reported outcome ([MOM, 10 Jan 2024](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs); [MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)).\n\nThe measure has a deliberate population boundary: \u201cactive\u201d is not every CPF account holder, and active members exclude self-employed people who are not concurrently employees. MOM has said balances of economically inactive members are harder to interpret because they are not required to contribute ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)). The BRS is a basic standard, not a guarantee of comfortable retirement; critics therefore treat attainment as a floor rather than a complete adequacy measure. Current cohort retirement sums are listed in [annual rates](\/en\/knowledge\/dataset\/sgkb.data.annual-rates).\n\n## Who falls short\n\nCPF retirement adequacy is uneven across groups. In its 1 April 2019 answer, MOM reported BRS attainment among active members turning 55 from 2016 to 2018 of 63% to 67% for men and 52% to 56% for women. By property type, attainment for the 2018 cohort was 90% for private-property owners, 60% for owners of 4-room or larger HDB flats, 40% for owners of 3-room or smaller flats, and 52% for members without property ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)).\n\nMOM attributed rising attainment to higher labour force participation and rising incomes, and noted that the gender gap had narrowed, with the ratio of men's to women's average CPF balances falling from 1.20 in 2006 to 1.13 in 2016. It also observed that BRS attainment tends to mirror property wealth ([MOM, 1 Apr 2019](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)). The gaps point to the groups that targeted schemes aim at: women with interrupted careers, low-wage workers and members in smaller flats, supported through measures such as [matched top-ups](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-top-up-schemes) and [Workfare and Silver Support](\/en\/knowledge\/article\/sgkb.cpf-social-security.workfare-and-support-schemes).\n\n## Rising retirement sums and contribution rates\n\nThe retirement sums themselves are a recurring point of debate, because each cohort's BRS rises before it is fixed at 55. For cohorts turning 55 from 2023 to 2027, the BRS rises 3.5% a year, up from 3% previously. The Minister for Manpower explained in 2022 that the increase was set using lower-middle retiree household spending, long-term inflation and some rise in living standards, and that these cohorts had benefited from strong economic growth and a mature CPF system ([MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)).\n\nThe increases are scrutinised in Parliament: the 2022 answer explained the 3.5% annual increase for cohorts turning 55 from 2023 to 2027 with reference to lower-middle retiree household spending, long-term inflation and some increase in living standards ([MOM, 5 Jul 2022](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)). In January 2026, MOM said it was reviewing BRS levels for cohorts turning 55 after 2027 and would announce any changes with sufficient advance notice; no post-2027 growth rate had yet been stated in that answer ([MOM, 13 Jan 2026](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum)). The Government has also raised contribution rates for workers aged above 55 to 65 in steps, with a further increase on 1 January 2027 allocated to the Retirement Account up to the Full Retirement Sum ([CPF Board, accessed Oct 2026](https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027)); see [cpf contributions](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-contributions).\n\n## Withdrawals, payout duration and the Advisory Panel\n\nPublic criticism of CPF has often focused on access to savings at 55. In a December 2019 clarification, CPF Board rejected the claim that members cannot withdraw unless they meet the Full Retirement Sum and the Basic Healthcare Sum, restating that members can withdraw S$5,000 from 55 and any amount above their cohort's FRS ([CPF Board, Dec 2019](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)); current rules are in [cpf withdrawals](\/en\/knowledge\/article\/sgkb.cpf-social-security.cpf-withdrawals).\n\nThe same clarification addressed the shortening of Retirement Sum Scheme payouts from up to age 95 to age 90, explaining that the change responded to member feedback that payouts to 95 were too long, while still protecting two in three members from outliving their payouts. It also restated that CPF interest is guaranteed by the Government, with a 4% floor on Special, MediSave and Retirement Account monies maintained since 2008 ([CPF Board, Dec 2019](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)).\n\nStructural responses to adequacy concerns came through the CPF Advisory Panel, appointed by MOM in September 2014. The Government accepted the first part of its recommendations in February 2015, implemented from January 2016, and accepted the second part in 2016, leading to a CPF LIFE plan with escalating payouts to address rising costs of living and a simple, low-fee retirement investment scheme ([CPF Board, 3 Aug 2016](https:\/\/cpf.gov.sg\/member\/infohub\/news\/cpf-related-announcements\/cpf-advisory-panel-recommendations-part-two)).\n# CPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\n\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u957f\u671f\u4ee5\u6765\u4e00\u76f4\u662f\u4e2a\u95ee\u9898\uff1a\u65b0\u52a0\u5761\u4e2d\u592e\u516c\u79ef\u91d1\uff08CPF\uff09\u662f\u5426\u4e3a\u6210\u5458\u63d0\u4f9b\u4e86\u8db3\u591f\u7684\u8001\u5e74\u6536\u5165\u3002\u7531\u4e8e CPF \u662f\u7f34\u8d39\u578b\u50a8\u84c4\u5236\u5ea6\uff0c\u800c\u975e\u73b0\u6536\u73b0\u4ed8\u517b\u8001\u91d1\uff0c\u6210\u5458\u7684\u9000\u4f11\u6536\u5165\u53d6\u51b3\u4e8e\u5176\u5de5\u4f5c\u7ecf\u5386\u3001\u5de5\u8d44\u3001\u4f4f\u623f\u9009\u62e9\u548c\u8865\u7f34\u91d1\u989d\u3002\u653f\u5e9c\u516c\u5e03\u7684\u4e3b\u8981\u8861\u91cf\u6307\u6807\uff0c\u662f\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3 CPF \u6210\u5458\u4e2d\u80fd\u591f\u5b58\u8db3\u57fa\u672c\u9000\u4f11\u5b58\u6b3e\u989d\uff08BRS\uff09\u7684\u6bd4\u4f8b\uff1b\u8be5\u91d1\u989d\u7528\u4e8e\u652f\u4ed8\u57fa\u672c\u7684\u6bcf\u6708 [CPF LIFE](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-life) \u6b3e\u9879\u3002\u8be5\u5236\u5ea6\u7684\u6279\u8bc4\u8005\u548c\u652f\u6301\u8005\u4e3b\u8981\u4e89\u8bba\u8fd9\u4e00\u6307\u6807\u8bf4\u660e\u4e86\u4ec0\u4e48\uff0c\u4ee5\u53ca\u5b83\u9057\u6f0f\u4e86\u4ec0\u4e48\u3002CPF \u7684\u5386\u53f2\u548c\u5236\u5ea6\u8bbe\u8ba1\u89c1 [CPF \u6982\u8ff0](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-overview)\u3002\n\n## \u5982\u4f55\u8861\u91cf\u5145\u8db3\u6027\n\nCPF \u5c40\u7684\u8fbe\u6807\u7387\u8868\u683c\u6700\u540e\u66f4\u65b0\u4e8e 2026 \u5e74\u4e09\u6708 13 \u65e5\u3002\u8868\u683c\u663e\u793a\uff0c\u5728 2025 \u5e74\u5e74\u6ee1 55 \u5c81\u7684 CPF \u6210\u5458\u4e2d\uff0c75% \u7684\u6d3b\u8dc3\u6210\u5458\u548c 65% \u7684\u5168\u4f53\u6210\u5458\u5b58\u8db3\u4e86 BRS\u3002\u8868\u683c\u5217\u51fa\u4e86\u5206\u6bcd\uff1a41,800 \u540d\u6d3b\u8dc3\u6210\u5458\u548c\u603b\u8ba1 60,000 \u540d\u6210\u5458\u3002\u8868\u683c\u53e6\u62a5\u544a\uff0c56% \u7684\u6d3b\u8dc3\u6210\u5458\u548c 47% \u7684\u5168\u4f53\u6210\u5458\u5b58\u8db3\u4e86\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\uff08FRS\uff09\uff08[CPF \u5c40\uff0c2025 \u5e74\u9000\u4f11\u5b58\u6b3e\u989d\u8fbe\u6807\u7387\u8868\u683c](https:\/\/www.cpf.gov.sg\/member\/infohub\/reports-and-statistics\/cpf-statistics\/retirement-statistics\/retirement-sum-attainment-rates)\uff09\u3002\u201c\u6d3b\u8dc3\u201d\u5728\u6b64\u6307\u5f53\u524d\u6216\u4e4b\u524d\u4e09\u4e2a\u6708\u5185\u81f3\u5c11\u7f34\u7eb3\u8fc7\u4e00\u6b21 CPF\uff1b\u6d3b\u8dc3\u6210\u5458\u4eba\u6570\u4e0d\u5305\u62ec\u6ca1\u6709\u540c\u65f6\u53d7\u96c7\u7684\u81ea\u96c7\u4eba\u58eb\u3002CPF \u6210\u5458\u662f\u6307\u4efb\u4f55 CPF \u8d26\u6237\u6709\u6b63\u4f59\u989d\u7684\u4eba\u3002\u8fd9\u4e9b\u662f\u4e0d\u540c\u7684\u5206\u6bcd\uff0c\u5e76\u975e\u5bf9\u540c\u4e00\u7fa4\u4f53\u7684\u76f8\u4e92\u7ade\u4e89\u4f30\u7b97\u3002\n\n\u4eba\u529b\u90e8\u65e9\u524d\u7684\u4e66\u9762\u7b54\u590d\u62a5\u544a\u79f0\uff0c2022 \u5e74\u7684\u7fa4\u4f53\u4e2d\u6709 27,800 \u540d\u6d3b\u8dc3\u6210\u5458\u5b58\u8db3 BRS\uff0c\u63a5\u8fd1\u8be5\u7fa4\u4f53\u7684 70%\uff1b\u76f8\u6bd4\u4e4b\u4e0b\uff0c2020 \u5e74\u4e3a 26,500 \u4eba\uff0c\u7ea6\u5360 66%\u3002\u4eba\u529b\u90e8\u9884\u8ba1 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\u6709\u5341\u5206\u4e4b\u516b\u4f1a\u8fbe\u5230 BRS\uff0c\u8fd9\u4ecd\u662f\u9884\u6d4b\uff0c\u5e76\u975e\u5df2\u62a5\u544a\u7684\u7ed3\u679c\uff08[\u4eba\u529b\u90e8\uff0c2024 \u5e74\u4e00\u6708 10 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2024\/0110-written-answer-to-pq-on-attainment-rates-on-brs-frs-ers-bhs)\uff1b[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u3002\n\n\u8be5\u6307\u6807\u6709\u660e\u786e\u7684\u4eba\u7fa4\u8303\u56f4\uff1a\u201c\u6d3b\u8dc3\u201d\u5e76\u4e0d\u5305\u62ec\u6bcf\u4e00\u4f4d CPF \u8d26\u6237\u6301\u6709\u4eba\uff1b\u6d3b\u8dc3\u6210\u5458\u4e0d\u5305\u62ec\u6ca1\u6709\u540c\u65f6\u53d7\u96c7\u7684\u81ea\u96c7\u4eba\u58eb\u3002\u4eba\u529b\u90e8\u8868\u793a\uff0c\u7531\u4e8e\u7ecf\u6d4e\u4e0d\u6d3b\u8dc3\u6210\u5458\u6ca1\u6709\u7f34\u8d39\u4e49\u52a1\uff0c\u56e0\u6b64\u8f83\u96be\u89e3\u8bfb\u4ed6\u4eec\u7684\u4f59\u989d\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002BRS \u662f\u57fa\u672c\u6807\u51c6\uff0c\u5e76\u4e0d\u4fdd\u8bc1\u9000\u4f11\u751f\u6d3b\u8212\u9002\uff1b\u56e0\u6b64\uff0c\u6279\u8bc4\u8005\u5c06\u8fbe\u6807\u7387\u89c6\u4e3a\u5e95\u7ebf\uff0c\u800c\u975e\u5b8c\u6574\u7684\u5145\u8db3\u6027\u8861\u91cf\u6807\u51c6\u3002\u5404\u5e74\u5ea6\u7fa4\u4f53\u5f53\u524d\u7684\u9000\u4f11\u5b58\u6b3e\u989d\u5217\u4e8e[\u5e74\u5ea6\u8d39\u7387](\/zh\/knowledge\/dataset\/sgkb.data.annual-rates)\u3002\n\n## \u54ea\u4e9b\u4eba\u672a\u8fbe\u6807\n\nCPF \u9000\u4f11\u4fdd\u969c\u5145\u8db3\u6027\u5728\u4e0d\u540c\u7fa4\u4f53\u4e4b\u95f4\u5e76\u4e0d\u5747\u8861\u3002\u4eba\u529b\u90e8\u5728 2019 \u5e74\u56db\u6708 1 \u65e5\u7684\u7b54\u590d\u4e2d\u62a5\u544a\uff0c2016 \u81f3 2018 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u6d3b\u8dc3\u6210\u5458\u4e2d\uff0c\u7537\u6027\u7684 BRS \u8fbe\u6807\u7387\u4e3a 63% \u81f3 67%\uff0c\u5973\u6027\u4e3a 52% \u81f3 56%\u3002\u6309\u623f\u4ea7\u7c7b\u578b\u5212\u5206\uff0c2018 \u5e74\u7fa4\u4f53\u7684\u8fbe\u6807\u7387\u4e3a\uff1a\u79c1\u4eba\u623f\u4ea7\u62e5\u6709\u8005 90%\uff0c\u62e5\u6709 4 \u623f\u5f0f\u6216\u66f4\u5927\u578b\u5efa\u5c4b\u53d1\u5c55\u5c40\u7ec4\u5c4b\u7684\u6210\u5458 60%\uff0c\u62e5\u6709 3 \u623f\u5f0f\u6216\u66f4\u5c0f\u578b\u7ec4\u5c4b\u7684\u6210\u5458 40%\uff0c\u65e0\u623f\u4ea7\u7684\u6210\u5458 52%\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002\n\n\u4eba\u529b\u90e8\u5c06\u8fbe\u6807\u7387\u4e0a\u5347\u5f52\u56e0\u4e8e\u52b3\u52a8\u529b\u53c2\u4e0e\u7387\u63d0\u9ad8\u548c\u6536\u5165\u589e\u957f\uff0c\u5e76\u6307\u51fa\u6027\u522b\u5dee\u8ddd\u5df2\u7ecf\u7f29\u5c0f\uff1a\u7537\u6027\u4e0e\u5973\u6027 CPF \u5e73\u5747\u4f59\u989d\u7684\u6bd4\u7387\u4ece 2006 \u5e74\u7684 1.20 \u964d\u81f3 2016 \u5e74\u7684 1.13\u3002\u4eba\u529b\u90e8\u8fd8\u6307\u51fa\uff0cBRS \u8fbe\u6807\u7387\u5f80\u5f80\u4e0e\u623f\u4ea7\u8d22\u5bcc\u76f8\u547c\u5e94\uff08[\u4eba\u529b\u90e8\uff0c2019 \u5e74\u56db\u6708 1 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2019\/0401-written-answer-by-mrs-josephine-teo-minister-for-manpower-to-parliamentary-question-on-cpf-basic-retirement-sum)\uff09\u3002\u8fd9\u4e9b\u5dee\u8ddd\u663e\u793a\u4e86\u9488\u5bf9\u6027\u8ba1\u5212\u65e8\u5728\u5e2e\u52a9\u7684\u7fa4\u4f53\uff1a\u804c\u4e1a\u751f\u6daf\u4e2d\u65ad\u7684\u5973\u6027\u3001\u4f4e\u85aa\u5de5\u4eba\u548c\u5c45\u4f4f\u5728\u8f83\u5c0f\u7ec4\u5c4b\u7684\u6210\u5458\uff1b\u76f8\u5173\u652f\u6301\u63aa\u65bd\u5305\u62ec[\u914d\u5bf9\u8865\u7f34](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-top-up-schemes)\u4ee5\u53ca[\u5c31\u4e1a\u5165\u606f\u8865\u52a9\u548c\u4e50\u9f84\u8865\u8d34](\/zh\/knowledge\/article\/sgkb.cpf-social-security.workfare-and-support-schemes)\u3002\n\n## \u9000\u4f11\u5b58\u6b3e\u989d\u548c\u7f34\u8d39\u7387\u4e0a\u8c03\n\n\u9000\u4f11\u5b58\u6b3e\u989d\u672c\u8eab\u7ecf\u5e38\u6210\u4e3a\u4e89\u8bba\u7126\u70b9\uff0c\u56e0\u4e3a\u6bcf\u4e2a\u7fa4\u4f53\u7684 BRS \u90fd\u4f1a\u5728\u6210\u5458\u5e74\u6ee1 55 \u5c81\u4e4b\u524d\u4e0a\u8c03\u3002\u5bf9\u4e8e 2023 \u81f3 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u7fa4\u4f53\uff0cBRS \u6bcf\u5e74\u4e0a\u8c03 3.5%\uff0c\u6b64\u524d\u4e3a 3%\u3002\u4eba\u529b\u90e8\u957f\u5728 2022 \u5e74\u89e3\u91ca\uff0c\u8fd9\u4e00\u589e\u5e45\u662f\u6839\u636e\u9000\u4f11\u5bb6\u5ead\u4e2d\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u5f00\u652f\u3001\u957f\u671f\u901a\u80c0\u548c\u751f\u6d3b\u6c34\u5e73\u9002\u5ea6\u63d0\u9ad8\u6765\u8bbe\u5b9a\u7684\uff0c\u800c\u4e14\u8fd9\u4e9b\u7fa4\u4f53\u53d7\u76ca\u4e8e\u5f3a\u52b2\u7684\u7ecf\u6d4e\u589e\u957f\u548c\u6210\u719f\u7684 CPF \u5236\u5ea6\uff08[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u3002\n\n\u8fd9\u4e9b\u4e0a\u8c03\u5e45\u5ea6\u53d7\u5230\u56fd\u4f1a\u5ba1\u89c6\uff1a2022 \u5e74\u7684\u7b54\u590d\u8bf4\u660e\uff0c2023 \u81f3 2027 \u5e74\u5e74\u6ee1 55 \u5c81\u7684\u7fa4\u4f53\u6bcf\u5e74\u4e0a\u8c03 3.5%\uff0c\u4f9d\u636e\u662f\u9000\u4f11\u5bb6\u5ead\u4e2d\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u5f00\u652f\u3001\u957f\u671f\u901a\u80c0\u4ee5\u53ca\u751f\u6d3b\u6c34\u5e73\u6709\u6240\u63d0\u9ad8\uff08[\u4eba\u529b\u90e8\uff0c2022 \u5e74\u4e03\u6708 5 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2022\/0705-written-answer-to-pq-on-the-basic-retirement-sum)\uff09\u30022026 \u5e74\u4e00\u6708\uff0c\u4eba\u529b\u90e8\u8868\u793a\u6b63\u5728\u68c0\u8ba8 2027 \u5e74\u540e\u5e74\u6ee1 55 \u5c81\u7fa4\u4f53\u7684 BRS \u6c34\u5e73\uff0c\u5e76\u5c06\u5728\u5ba3\u5e03\u4efb\u4f55\u8c03\u6574\u65f6\u7ed9\u4e88\u5145\u5206\u7684\u63d0\u524d\u901a\u77e5\uff1b\u8be5\u7b54\u590d\u5c1a\u672a\u8bf4\u660e 2027 \u5e74\u540e\u7684\u589e\u957f\u7387\uff08[\u4eba\u529b\u90e8\uff0c2026 \u5e74\u4e00\u6708 13 \u65e5](https:\/\/www.mom.gov.sg\/newsroom\/parliament-questions-and-replies\/2026\/0113-written-answer-to-pq-on-cpf-basic-retirement-sum)\uff09\u3002\u653f\u5e9c\u4e5f\u5206\u9636\u6bb5\u63d0\u9ad8 55 \u5c81\u4ee5\u4e0a\u81f3 65 \u5c81\u5de5\u4eba\u7684\u7f34\u8d39\u7387\uff1b\u81ea 2027 \u5e74\u4e00\u6708 1 \u65e5\u8d77\u8fdb\u4e00\u6b65\u4e0a\u8c03\u7684\u90e8\u5206\u5c06\u62e8\u5165\u9000\u4f11\u6237\u5934\uff0c\u76f4\u81f3\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\uff08[CPF \u5c40\uff0c\u67e5\u9605\u4e8e 2026 \u5e74\u5341\u6708](https:\/\/www.cpf.gov.sg\/service\/article\/what-are-the-changes-to-the-cpf-contribution-rates-for-senior-workers-that-will-take-effect-from-1-january-2027)\uff09\uff1b\u53e6\u89c1 [CPF \u7f34\u8d39](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-contributions)\u3002\n\n## \u63d0\u6b3e\u3001\u9886\u53d6\u6b3e\u9879\u671f\u9650\u548c\u54a8\u8be2\u5c0f\u7ec4\n\n\u516c\u4f17\u5bf9 CPF \u7684\u6279\u8bc4\u5f80\u5f80\u96c6\u4e2d\u5728\u6210\u5458\u5e74\u6ee1 55 \u5c81\u65f6\u80fd\u5426\u52a8\u7528\u50a8\u84c4\u3002CPF \u5c40\u5728 2019 \u5e74\u5341\u4e8c\u6708\u7684\u8bf4\u660e\u4e2d\u9a73\u65a5\u4e86\u201c\u6210\u5458\u9664\u975e\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5b58\u6b3e\u989d\u548c\u57fa\u672c\u533b\u7597\u5b58\u6b3e\u989d\uff0c\u5426\u5219\u65e0\u6cd5\u63d0\u6b3e\u201d\u7684\u8bf4\u6cd5\uff0c\u5e76\u91cd\u7533\u6210\u5458\u5e74\u6ee1 55 \u5c81\u65f6\u53ef\u4ee5\u63d0\u53d6 5,000 \u65b0\u5143\uff0c\u4ee5\u53ca\u8d85\u8fc7\u5176\u6240\u5c5e\u7fa4\u4f53 FRS \u7684\u4efb\u4f55\u91d1\u989d\uff08[CPF \u5c40\uff0c2019 \u5e74\u5341\u4e8c\u6708](https:\/\/www.cpf.gov.sg\/member\/infohub\/cpf-clarifies\/clarifications\/cpf-withdrawal-policy-retirement-sum-scheme-payout-duration-and-cpf-interest-rates)\uff09\uff1b\u73b0\u884c\u89c4\u5b9a\u89c1 [CPF \u63d0\u6b3e](\/zh\/knowledge\/article\/sgkb.cpf-social-security.cpf-withdrawals)\u3002\n\n\u540c\u4e00\u4efd\u8bf4\u660e\u4e5f\u8c08\u5230\u9000\u4f11\u5b58\u6b3e\u8ba1\u5212\u7684\u9886\u53d6\u6b3e\u9879\u671f\u9650\u4ece\u6700\u957f\u81f3 95 \u5c81\u7f29\u77ed\u81f3 90 \u5c81\uff0c\u5e76\u89e3\u91ca\u8fd9\u9879\u8c03\u6574\u56de\u5e94\u4e86\u6210\u5458\u7684\u53cd\u9988\uff1a\u9886\u53d6\u81f3 95 \u5c81\u7684\u671f\u9650\u8fc7\u957f\uff0c\u540c\u65f6\u4ecd\u4fdd\u969c\u4e09\u5206\u4e4b\u4e8c\u7684\u6210\u5458\u5728\u6709\u751f\u4e4b\u5e74\u4e0d\u4f1a\u9886\u5b8c\u6b3e\u9879\u3002\u8bf4\u660e\u8fd8\u91cd\u7533\uff0cCPF \u5229\u606f\u7531\u653f\u5e9c\u62c5\u4fdd\uff1b\u81ea 2008 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