CPF
30 65 23 7000 79 5900 3.5 1 Central Provident Fund CPF CPF CPF 55 CPF 1 2 CPF 3 CPF CPF 4 CPF 5 CPF CPF CPF Teo Besey Lai Si, Tsui-Auch 1
1. 3 2. (CPF) 5 CPF 3. CPF 9 CPF 4. CPF 1 1: CPF 2: CPF CPF 5. CPF 1 6. 2 1: 2: CPF 2 2 2 S$ 2004 2
1. 40 60 70 Stop at Two 2 3 3 (2000 ) 1960 2.8 1980 1980 3 3 2 (2000 ) 3 6000 1 1.26 2003 1.29 5 (2004 ) 1960 2.4 65 2003 7.7 23 7626 ( ) 14 1960 43.5 2003 21 2030 65 79 5900 3.5 1 (CPF ) 3
The Central Provident FundCPF CPF 4
2. (CPF) 1998 1: CPF 1953 1955 CPF PAP CPF CPF CPF (CPF ) 5
CPF CPF CPF CPF CPF CPF CPF CPF CPF GIC 2003 500 50 CPF 2004 1 CPF 5,500 2006 4,500 (2004 CPF ) CPF 1955 5 55 CPF 20 1355 CPF ( 1 ) CPF CPF CPF CPF CPF CPF CPF CPF 55 62 CPF ( ) CPF CPF 3 2.5 CPF 2.5 4 6
1: CPF (1955 ) (%) (%) (%) 19 5 7-5 5 - - - 10 1968 9-6.5 6.5 - - - 13 1970 1-8 8 - - - 16 1975 7 1-15 15 - - - 30 1985 7 2-25 25 40 4 6 50 1988 7 1990 2003 10 3 55 12 24 30-6 36 55 60 11 20 25-6 31 60 65 9 19 22-6 28 65 8 18 20-6 26 55 16.5 23 30 3.5 6 39.5 55 60 12.5 12.5 19-6 25 60 65 7.5 7.5 9-6 15 65 5 5 4-6 10 35 13 20 22 5 6 33 35 45 13 20 20 6 7 33 45 55 13 20 18 7 8 33 55 60 6 12.5 10.5 0 8 18.5 60 65 3.5 7.5 2.5 0 8.5 11 65 3.5 5 0 0 8.5 8.5 1 450 600 2 2,500 3,000 3 2004 1 CPF 6,000 5,500 : CPF 2002 CPF : http://www.cpf.gov.sg
2: CPF 13% ( ) 20% CPF CPF GIC CPF - - - - 8
3. CPF ( : CPF 2002 http://www.cpf.gov.sg) CPF CPF 55 25,000 CPF Minimum Sum Scheme CPF 2003 CPF 55 80,000 10 2013 4,000 120,000 CPF CPF CPF CPF CPF 62 CPF CPF 80 CPF 10,000 5,000 160,000 80,000 3: Minimum Sum Scheme $80,000 1. 2. 3. CPF 55 61 62 80 $25,000 9
HDB 100 1968 CPF 1998 CPF HDB HDB 1999 1984 CPF 30,000 CPF CPF 55 25,000 CPF CPF 1 300 150 5,000 ( ) 2 2 CPF A B 2 A B 2 A B 2000 MSE 2000 61 69 2 192 480 80 MSE 10
4: / - $300/ - $150 -$5,000 25 4,000 1) ( ) 2) - A ( ) - B () 3) ( ) 4)(MSE) 2: A B A B (30 80 ) $12 $390 $60 $1,950 $36 $1,170 $30,000 $100,000 $75,000 $120,000 $300,000 $225,000 : CPF 2002 CPF : http://www.cpf.gov.sg CPF A. 1) CPF CPF (CPFIS) CPF 2001 CPF 2) 1986 CPF 11
3) 1989 CPF 40 1 CPF CPF B. 1) 60 36 360 36,000 2) CPF HDB CPF CPF ( : CPF 2002 ) 2002 CPF 2,963,160 1,283,707 964 2260 28 9730 2002 CPF 161 6570 148 2140 2002 55 38,365 CPF 15 3150 75,000 1 6,801 14,100 5,470 CPF 11,994 3 6100 25,000 54.7 18,983 12
1,370,046 95,724 6360 359,325 11,558 1460 21 CPF 94.9 HDB 21 70 CPF 2002 HDB 119 CPF 1,535,642 676,502 CPF 722,001 447 8550 407,126 428 1300 13,189 9470 4030 1 2002 75,000 2003 80,000 13
4. CPF 1: CPF 55 CPF 55 62 62 80 555 555 3 4 $0.00 $0.00 $25,000.00 $120,000.00 55 $ 653,545.52 56 $ 26,384.60 57 $ 18,039.03 58 $ 18,145.35 59 $ 18,255.55 60 $ 18,371.24 61 $ 18,155.23 62 $ 11,248.74 : 55 55 CPF 62 CPF 55 CPF 3 1 55 14
2: CPF CPF 30 400 HDB 144,00060,000 CPF 62 80 280 5 6 $0.00 $0.00 $25,000.00 $60,000.00 55 $ 503,911.07 56 $ 22,562.33 57 $ 15,637.20 58 $ 15,743.11 59 $ 15,853.59 60 $ 15,969.58 61 $ 15,753.82 62 $ 10,433.46 * CPF - CPF 12-2004 1 1 2006 1 1 CPF 5,500 4,500 - CPF 120,000 55 25,000 - CPF 50 2009 1 2013 1 1 55 CPF CPF 5,000 - CPF 55 CPF CPF ( ) - : CPF CPF : http://www.cpf.gov.sg 15
5. CPF 1900 1961 1973 (1997 ) 20 60 () 20 59 13,300 65 67,000 () 13.85 13.3 19.49 ( 7 ) () CPF CPF CPF ( 8 ) CPF CPF CPF 16
7: / (20 60 ) 65 ( : http://www.mhlw.go.jp) 13,300 13.58% ( ) 13.3% - 19.49% ( ) 8 9: CPF 2 CPF (%) (%) (%) (%) (%) (%) 35 9.75 15 24.75 16.75 3.75 4.5 35-45 9.75 15 24.75 15 4.5 5.25 45-55 9.75 15 24.75 13.5 5.25 6 55-60 4.5 9.375 13.875 7.875 0 6 60-65 2.625 5.625 8.25 2.25 0 6 65 2.625 3.75 6.375 0 0 6.375 2 CPF 55 55-60 60-65 65 1 4 5 4 5 3.5 5 3.5 5 2 9 15 6 12.5 3.5 7.5 3.5 5 40 (2004 5 7 ) 17
2 8 (2004 5 12 ) 4 2004 5 7 2004 6 5 10 2017 13,300 16,900 13.85 18.30 15 (2004 5 12 ) 2007 3 (2004 6 8 ) CPF CPF CPF CPF CPF CPF CPF CPF CPF CPF 1968 CPF 1977 1987 55 1995 1998 2001 CPF 18
CPF CPF CPF my cpf CPF (2004 6 23 ) CPF CPF CPF CPF CPF CPF CPF 55 CPF 55 2 CPF CPF 5 22 CPF (2003 ) CPF 2002 55 38,000 12,000 500 280 CPF CPF 19
CPF CPF CPF CPF CPF CPF CPF CPF CPF 2002 CPF CPF (2004 6 24 ) 20
6. 65 40 2.4 7.7 CPF 55 CPF 100 CPF CPF CPF CPF 20 80 CPF CPF 2030 3.5 CPF 21
CPF 22
1: http://www.moh.gov.sg / $300/ + $150/ + $150/ $3,500 $150 / $3,500 $50/ $3,500 $160 / $20 / $1,500 B 12 $25 12 19 $35 19 $50 $4,000 ( ) $450 / ( 18 ) $80 $3,000 $300 $3,000 () 7 $300 HIV $550/ ( ( ) 18 ) ( ) $350/ $100 $600/ $2,400 $75/ $300/ 23
A B C 1 $100 $200 $250 2 $350 $450 $600 3 $800 $1,000 $1,200 4 $1,400 $1,600 $1,800 5 $2,000 $2,200 $2,400 6 $2,800 $3,200 $3,600 7 $4,000 $4,500 $5,000 1-7 A-C : ($) 2B 450 3A 800 4A 1,400 24
2: CPF : CPF http://www.cpf.gov.sg ( 55 ) 10,000 30,000 45,000 CPF 25,000 20,000 35,000 0 15,000 5,000 35,000 65,000 85,000 40% : 14,000 (0) 26,000 (15,000) 34,000 (5,000) 14,000 11,000 29,000 (A) : ( )* 10,000 (3,000) 7,000 30,000 (0) 30,000 45,000 (9,000) 36,000 (B) A B ) 7,000 11,000 29,000 CPF 25
1. CPF http://www.cpf.gov.sg 2. http://www.moh.gov.sg 3. http://www.japantimes.co.jp 4. http://www.kkc-usa.org 5. http://mhlw.go.jp 6. http://www.sia.go.jp 7. The Central Provident Fund: Challenges Ahead. United States Embassy in Singapore, U.S. Department of State 8. CPF 2002 CPF The CPF Board Annual Report 2002, The CPF Board 9. 2004 1 1 CPF CPF CPF Contribution Rate Booklet 1 January 2004, The CPF Board 10. L. & T.C. (1998 ) CPF L. Low & T.C. Aw (1998), Housing a Healthy, Educated and Wealthy Nation through the CPF, Singapore: Times Academic Press 11. L. & G. (2003 ) L. Hateley & G. Tan (2003), The Greying of Asia: Causes and Consequences of Rapid Ageing in Asia, Singapore: Eastern Universities Press 12. C. Y. (1997 ) No.41 C. Y. Horioka (1997), Panel Discussion: Japan s Public Pension System: What is Wrong With it and How to Fix it, Conference Proceedings, Conference Series, No. 41, Federal Reserve Bank of Boston Social Security Reform 13. 2003 8 28 14. : 15. : 26
16. : Too loud, too little, too late? 2000 9 23 17. R. 2000 12 1 R. Mitton, Singaporeans need to have more babies. But success breeds selfishness 18. C. 26 2003 12 12 C. Chan, Singapore to see lowest birth rate in 26 years 19. CPF 2004 3 19 CPF Board launches new initiative for retirement planning 20. 2004 4 29 Heated debate over Japan s pension reform 21. J. 2004 5 7 J. Brookes, Japan s precarious pension plan, International Herald Tribune Online 22. W.K. 2004 5 12 W.K. Kwan, Japan passes pension Bills amid furore 23. W.K. 2004 5 24 W.K. Kwan, Confidence crisis hits pension scheme 24. T. 2004 6 6 T. Kajimoto, Pension reform package enacted after dramatic all-night standoff 25. 2004 6 8 Editorial, Put Pension reform above politics 26. M. 2004 6 10 M. Sakamoto, Pension system goes from bad to worse 27. CPF 2004 6 23 CPF Board to privatise Dependants Protection Scheme 27