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杨莉明暗指公积金基本存款或调整

by 林殊
18/11/2019
in 中央公积金, 劳工, 新闻, 舆论
Reading Time: 1 min read
0

人力部长杨莉明表示,为了满足新加坡人的退休储蓄,应定期调整公积金基本退休金存款额(basic retirement sum),确保其支出能够满足公积金会员的生活,暗指公积金最低退休金额或可能面临再次上调。

周五(15日),人力部长出席国大文理学院90周年庆典表示,退休储蓄对于新加坡人而言是相当重要,更何况目前新加坡人的预期寿命比以往更长,因此调整公积金基本退休金额是有其必要性。

距离2015年调整,已有4年之久,目前公积金最低总额是规定于年满55岁以后,其金额约为最低17万6000元。而会员直到65岁以后才能从中能够领取,但若以个人财产抵押的话,55岁的强制性金额则可达到减半,称基本存款(Basic Retirement Sum)

杨莉明称,由于通货膨胀,因此有提高公积金最低金额的必要性,她表示,“通货膨胀是其中一项影响退休生活的因素,当我们的储蓄与指出是固定时,其价值会随之时间的推移而逐渐减少。

她也提到,在10年后,若年满65岁时可能会因当时的通货膨胀而出现入不敷出的现象。

她说,“我们应该如何确保基本存款能够在10年后,或整个退休阶段,都能够拥有足够的指出?那我们又该如何订定基本存款的金额,以应未来开销?”

因此,2021年的公积金最低金额或将高于2020年的18万1000元。

另一方面,在65岁以后的每月领入息,根据基本存款(若有资产作为抵押),于55岁时,其最低金额需达8万8000元,即指65岁以后每月将可领取700至800元。

尽管杨莉明指出,过去十年中其最低退休金额已有所改善,由38巴仙提升至62巴仙,但每月的退休金并不足以让退休人士在新加坡体面地生活,相反地,已有研究发现,700至800元的每月退休金并无法达到我国基本生活水平 。

今年5月,由国大与南洋理工大学的研究显示,单身男性或女性需达到每月1379元的基本生活水平,与700至800元的定义,相差甚远。

即使达到全额存款(Full Retirement Sum),每月将可领取1350至1450元,但有可能在10年后因通货膨胀而再次提升基本生活水平,届时或许又出现不足的现象。

国民恐“永不下岗”?

看来,政府的所谓解决方案或许是想让新加坡人民永不退役的工作。

事实上,杨莉明就曾在国大晚宴上表示,“随着人们可能会活到100岁以上,因此工作形态与退休生活模式也应随之改变。愈来愈多人在晚年时期转换职业或重新投入工作。他们可能并非是职员,也可能选择自由业者。他们可能会在职业生涯中期选择休息,但于70岁时在投入到职业当中。”

她强调,在未来十年内,老年人的公积金将会逐步提高,并强调房屋也可以当作退休收入之一,新加坡人可以在孩子搬出去后调整自己的生活空间,以出租房间或房屋,赚取收入。

杨莉明续指,如屋契回购计划(Lease Buyback Scheme,简称LBS)或乐龄安居花红(Silver Housing Bonus)都有助于他们提升房屋价值。

最后她也补充,新加坡在各个体系以做得很好,但仍然可以通过事前规划来提升相关体系,让公积金保持在“活跃”的状态,随着社会的需求应变各项困难。

 

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