因此,2023年第四季度SA和MA的利率为4.04%,因为由于10年期新加坡政府债券的12个月平均收益率增加,和它挂钩的SA账户和MA账户利率因此超过4%的法定保底利率,而今年也是这两个户头的利率首次突破4%的保底利率。 03、CPF三大账户 Ordinary Account CPF Ordinary Account,简称OA,可用来支付买房首付、还房贷以及支付学费,...
因此,2022年第一季度SA和MA的利率为4%,因为10年期新加坡政府债券的12个月平均收益率加上1%为2.34%,是低于4%的。 03 CPF三大账户 Ordinary Account CPF Ordinary Account,简称OA,可用来支付买房首付、还房贷以及支付学费,这里我们主要分享用OA来买房还房贷的细节。 想要了解如何用OA还房贷,就必须先了解什么是Valuat...
联合户头指的是特别户头(Special Account)、保健储蓄户头(Medisave Account)和退休户头(Retirement Account) In addition, an extra 1% of interest will be paid on the first $60,000 of a member's combined balances, with up to $20,000 from the OA. The extra interest from the OA will go into...
OA Up to 3.5% SA Up to 5% MA Up to 5% RA Up to 6% Ordinary Account (OA) of CPF earns up to 3.5% per annum. The Ordinary Account funds accrue a maximum of 3.5% interest annually on the first $20,000 in this account. After the funds exceed the $20,000, the account would accr...
1.Buffer to maximum size of MA.Calculate using the prevailing year’s Basic Healthcare Sum (BHS),minusthe MediSave Account balance before the top up 2.Buffer to the CPF Annual Contribution Limit of S$37,740.Calculate this using S$37,740minusmandatory CPF contributions made during the calenda...
CPF funds are allocated to four different schemes: The Ordinary Account (OA) finances investments and health and life insurance, while the Special Account (SA) principally supplies funds for retirement. The MediSave Account (MA) pays for specific hospital-related and medical expenses, and the Reti...
I've just done the max allowable inter CPF transfer of 9k from OA and SA to RA to maximise RA interest for 2022. The new CPF MA limit is 66k so I'll top up that by 3k this month once my payment from offshore comes in. It appears the contribution limit is still $37,740. Once...
需要注意的是，OA账户内的首2万新币会额外享受1%的年化利率。SA和MA的利息也是每个季度审核一次，其...
The SMB and HML factors for non-US based funds are constructed from stock market data to exclude the contribution of the size effect and the BE/ME effect. The results show that volatility timing is one of the factors contributing to the excess return of funds. However, funds’ volatility-...