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“神秘”的公积金制度? 公积金退休存款没变  民众惊觉派息少了

by Yee Loon
17/08/2018
in 新闻
Reading Time: 3 mins read
0

“犹抱琵琶半遮面”,公积金局的运作,总是蒙上一层神秘面纱。

专栏作家和时评人梁师轩,发现一名民众报章分享,惊觉公积金派息减少一事,也在个人专页调侃充满神秘感的公积金局体制。

事缘一民众林东华(译音),在本月14日于《海峡时报》撰文分享,本身好奇在新的派息利率下,在自己踏入65岁至70岁时,其公积金终身入息(CPF Life)户头会派息多少。

为此,他在今年一月向公积金局索讨派息预览副本。在上月,他再度致函公积金局提醒,但是所收到的消息,令他感到惊恐,因为预计的新派息,竟比今年一月的还要低。

他马上想到,有没有可能是自己的退休户头被盗用了?

退休存款一样,派息却少了

“我随即上网登入我的公积金户头检查,庆幸我的退休户头存款(RA)毫发无伤。我很讶异,我的退休户头存款数额一样(没有累计利率),为何派息却减少了?我再次致函要求公积金局解释。”

数日后,公积金局官员有拨电给林东华,解释一月份的派息算法和七月不同,可是,负责计算派息的是不同部门,该官员也无法给作者合理解释,为何两个时期的派息算法不一样。

官员答不上所以然

作者希望公积金局对于管理民众公积金的派息,能更透明、划一,特别是大多数民众作为门外汉,很混淆为何,在退休户头存款不变,随着时间推移派息反而减少?

“这不符合逻辑,因为随着时间推移会产生利率,派息应该更多才对(即便有多么微不足道)。”

对于这名民众遭遇,梁师轩叹道公积金的作风众人皆知,而且其管理模式形同“秘密组织”。

“如果民众要求公布公积金终身入息的精算报告?当局沉默是金;要求公布终身护保和终身健保(MediShield Life)的报告,也是沉默是金。“

对于林东华遇到的状况,一些网民也表示感同身受。网民Georgie Tan表示自己选择留在就得公积金计划,即从65岁起开始派息20年。届时派息至少也有四位数。

“但是上月我到公积金局查询,派息却只有三位数。我被告知派息会一直延长到95岁,即30年。问题在于,我并没有申请加入终身派息计划。”

但是,公积金柜台职员也只能根据系统显示的数据,如是告诉他,也无法给予他更多解释。

作为婴儿潮世代的网民Arrifex Alliances,称自己在这篇土地已64年,从18岁就参与建设国家,帮助父母、教育兄弟姐妹,还要为建国一代分担住房贷款和水电费,致使他们能够储蓄到的退休存款不多,甚至一些公民在晚年过着不如意的生活,甚至没有假期。

“婴儿潮世代,至少应然他们能每三年提取一定巴仙率的公积金,让他们好好享受晚年生活。”

目前的终身入息计划制度:

55岁最低储蓄额 65岁后每月入息给付*
拥有房产可抵押,决定领走基础退休储蓄的额外存款 基础退休储蓄(BRS)8万5500元 720-770元
没有房产/选择不先领走基础退休储蓄的额外存款 全额退休储蓄(TRS)17万1000元(必须是基础储蓄额的两倍) 1千320-1千410元
想在终身入息计划(CPF LIFE)储蓄更多 超额退休储蓄(ERS)25万6500元(是基础退休储蓄的三倍) 1千910- 2千060元

*根据终身入息计划基础计划计算(表格资源:公积金局)

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