哦，我很早就在华新讲过SA shielding不过这个办法确实是可行的，适用OA不够的同学。 万一贷款锁定期结束利率暴涨的话SA里的钱也随时可以拿出来还贷。

这没办法控制英文论坛上到处都有，financial advisors也都会这样建议（他们也会有利可图）。华新这贡献不了多少。 这儿有个CPF board的回复，2021年就2%的人这么做了，到我们的年龄搞不成了是很有可能的。 Answer: We are aware that some members invest their Special Account (SA) savings shortly before age 55 and liquidate it after age 55, to retain more CPF savings in their SA. In 2021, about 2% of CPF members turning 55 invested their SA monies under the CPF Investment Scheme-Special Account (CPFIS-SA) within six months before they turned age 55 and liquidated their investments within six months after they turned age 55. Some of them may have done so to prevent their SA monies from flowing into the Retirement Account at age 55. We would like to reiterate to CPF members that the investment of SA monies comes with costs and investment risks – there are transaction fees involved and members may lose a portion of the amount invested. Financial advisers and insurance brokers who promote this practice without highlighting the (more...)

有些网友想用cpf去还贷，商业时报建议反其道而行之借钱topup cpf 该帖荣获当日十大第1，奖励楼主25分以及37华新币，时间：2023-11-18 22:00:01。该帖荣获当日十大第2，奖励楼主18分以及27华新币，时间：2023-11-19 22:00:01。该帖荣获当日十大第2，奖励楼主7分以及10华新币，时间：2023-11-20 22:00:01。 (more...)

SA里面有四万不能用来投资所以是SA总额一4万

SA里面有四万不能用来投资所以是SA总额一4万