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28年每月入息仅482元 读者申请缩短提领公积金年限遭拒

by Yee Loon
28/01/2019
in 中央公积金, 时事, 舆论, 观点
Reading Time: 1 min read
0

早前我国一民众分享,收到中央公积金来函,指若有意在65岁就开始提取入息,就必须另行通知当局,否则,就要等到70岁才能自动入息。

《网络公民》一读者Zol也投稿本社,反映在今年6月年满65岁的他,也同样收到上述信函。但令他惊讶和困惑的,是他的公积金退休存款入息延长达28年至93岁,致使每月只能领取482元的入息。

他质问,公积金局怎能随意决定会员该如何提取自己的存款?

Zol指出,根据媒体报导,新加坡平均寿命约为85.4年,为此他致函该局,要求派息期限缩减到20年,以便增加每月入息。

然而公积金局拒绝了Zol的申请。在回函中公积金解释,到了55岁若符合全额退休存款(FRS)(约17万6000元),加上4巴仙利息,到了符合入息年龄,20年内每月可提取910元。但是无法达到全额退休存款者,则会按比例获得入息,最低为每月250元,而Zol的情况下是28年每月入息482元。

公积金在回函中表示若缩短入息年限到20年,可能Zol的退休退款会提早用完,为此拒绝了他的申请,除非他能增加退休存款储蓄,或者延后提取入息,才能享有较高的入息数额。

对此,Zol认为公积金局从未征询过会员们的意见,即便是公积金官网,也明言指出“会员可自行决定每月入息数额”:

膝下无子女 公积金无受益人

Zol表示虽已婚但膝下无子女,可能离世前都得自力更生。“如果在70岁前没有工作,那70岁入息前的五年,我要如何生存?”

“再者,公积金四巴仙的利率也根本无助对抗现在的通货膨胀,更何况未来消费税会增加到九巴仙。如果要在65岁和70岁提取入息两者中做选择,我看最好的决定不如现在就把我的公积金储蓄提走。”

由于和妻子膝下无子女,意味着他们的存款没有继承/受益人,所以延长提取入息期限到28年是不合逻辑的。

“我不是要政府养我,在我的情况下,即便我85岁用完了公积金储蓄,我还可以卖掉我的五房式组屋(如果还有价值的话)来维持我的生活。”

“公积金局可曾询问过会员意见?”

公积金局理应是服务人民的政府机构,他是会员公积金储蓄的托管人,但如今却表现得像管事婆,管着会员们辛辛苦苦赚来的钱,而且可以在未经咨询会员的情况下,随意更改政策。

“所以让我们厘清两件事:

  1. 公积金局只是人民储蓄的托管人,他们管理着会员们的储蓄。
  2. 公积金是协助会员们储蓄养老退休金,开始全额提取的起始年龄过去是55岁。”

他说,这是毋庸置疑的事实,所以公积金局怎能不先问过会员就任意更改政策?即便是公积金局总监和高管也不能,他们只是会员们储蓄的托管人。更为民主的方式,理应是透过公众咨询,让会员们来决定。

“我很纳闷为何迄今为止,也没有任何国会议员在这件事上为国民发声。或许每月领薪16000元,他们不会像我们这些百姓一样,需要为每月入息多少发愁。”

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