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#16
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Re: CPF withdrawal and Chionging
can we use the amount in RA for investment like what we do with OA? RA interest rate is also 4%, correct?
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#17
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Re: CPF withdrawal and Chionging
RA is meant like a pension scheme. U only smell bit by bit when u are still kicking at age 65
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Plse dont upz me Thank you |
#18
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Re: CPF withdrawal and Chionging
See? Thats why garment decided to hold ur and our money till u/us drop dead.
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Plse dont upz me Thank you |
#19
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Re: CPF withdrawal and Chionging
CPF is our money. We should be allowed to OPT in for the CPF life if we want.
Frankly, I dont need a government to tell me what I need to do with my own money - afterall we are all adults.
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Let him who hath understanding reckon the number of the beast, for it is a human number - Six hundred and Sixty Six! |
#20
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Re: CPF withdrawal and Chionging
Dear Bros, just want to get a sense of your opinions.
I find our CPF system so confusing. When it first started, wasn't it meant to be simple and understandable? As it evolves to date, I don't think a simple layman on the street can understand the full mechanisms of CPF. I'm anti-whites, so I don't know if I am biased against the system right in the first place. What do you guys think of the system? |
#21
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Re: CPF withdrawal and Chionging
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but why the system become more complicated, the garment said is for our own good, help us to "save" for our retirement, etc. but truth or not, u can see or judge or guess for yourself. haha |
#22
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Re: CPF withdrawal and Chionging
I also think it's quite confusing.. Too many schemes already.. Not too sure abt the history..
But I think the basic is OA which gives us 2.5% interest.. Maybe govt also know its not enough.. So create SA that gives us 4% but restrict us using the funds.. Probably for them to get a higher longterm returns.. Then to help those poor and elderly.. They give the extra interest and additional extra interest of 1% more each.. I haven't reach withdrawal age yet.. So not sure of the policy.. But bro singleman gave quite a good explanation.. |
#23
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Re: CPF withdrawal and Chionging
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Anyone know what if we start drawing the RA for say a few years (actuually what is the maximum no. of years of payout) and we say BYE BYE, what will happen to the balance?
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Bonk safety and happily. |
#24
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Re: CPF withdrawal and Chionging
There is thing called bequest. It depends on your nomination. Wife does not mean will take everything if nomination name is not her. It can mean goes to another one u nominated, including ah tiong bu or vietbu
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#25
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Re: CPF withdrawal and Chionging
i heard ah tiong bu or vietbu are removed from the list already, including pets
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#26
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Re: CPF withdrawal and Chionging
Even bequest garment also have the last say? KNN!
__________________
Plse dont upz me Thank you |
#27
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Re: CPF withdrawal and Chionging
From what I understand if u have made nominee(s) then if one day u say bye bye to this world then whatever u have in the CPF OA, SA, MA (before 55) or RA and MA (55 n above) all can withdraw n distribute among the nominee(s) based on the percentage u have declared for each nominee when you make the nomination. So do remember to go make a nomination otherwise dun know the CPF money will go to who when u not in this world anymore. I mean u prefer ur money to go to someone you love or know or u wan it go to garment or someone u dun know.
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#28
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Re: CPF withdrawal and Chionging
Any advice if one should set aside BRS or FRS amount when reach 55? Don't intend to withdraw any money when reach that age but dont feel comfortable to set aside FRS amount it will be lock in the Cpf scheme forever, though they start to pay out yearly after 65, which most likely will be pushed back to 67 then 70
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#29
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Re: CPF withdrawal and Chionging
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understand if we dun withdraw on 55, we still can withdraw at other date after 55. but what happen if the garment change rule and said cannot withdraw anymore then all the money (which we can withdraw at 55 but we did not wan withdraw) kena locked then siao liao lor. |
#30
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Re: CPF withdrawal and Chionging
I will never leave a single dollar in my CPF except for my RA n Medisave. I want to see and touch and spent my hard earned money while i am still kicking.
__________________
Plse dont upz me Thank you |
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