CPF只能提供25%的费用

DreamChaser

<p>看看</p><p><a href="http://news.asiaone.com/News/The%2BStraits%2BTimes/Story/A1Story20080120-45694.html">http://news.asiaone.com/News/The%2BStraits%2BTimes/Story/A1Story20080120-45694.html</a></p>

夕阳剪影

<p>我帮楼主转贴过来看得清楚一些：</p><p><table cellspacing="0" cellpadding="0" width="560" border="0"><tbody><tr><td valign="top" width="550" colspan="2"><font class="content_bold_title">CPF savings provide only 25% of funds needed <!--Element not supported - Type: 8 Name: #comment--></font><!--Element not supported - Type: 8 Name: #comment--></td></tr><tr></tr><tr><td valign="top" align="left" width="550" colspan="2"></td></tr><!--Element not supported - Type: 8 Name: #comment--><tr><td class="bodytext" colspan="3"><!--Element not supported - Type: 8 Name: #comment-->SINGAPOREANS rely too heavily on their Central Provident Fund (CPF) savings to fund their retirement, a global survey on retirement planning by French financial group AXA has found. <p>In fact, it is estimated that for the average Singaporean, CPF savings will provide only a quarter of the funds he or she will need in old age. </p><p></p><p><b>Working out the financial shortfall</b></p><p><script language="JavaScript" src="/static/ads/scripts/adsimu.js"></script></p><div id="imu11"><table cellspacing="2" cellpadding="2" width="300" align="right" border="0"><tbody><tr><td><p></p></td></tr></tbody></table></div><p>THE average Singaporean earns $50,000 a year. </p><p>Financial planners say a good rule of thumb for retirement is to have savings of 10 times your annual income. Thus, the average Singaporean would need a lump sum of $500,000. </p><p>The CPF Minimum Sum will be raised to $120,000 from April, so the shortfall will increase to $380,000. </p><p>One bit of good news in the survey was that Singaporeans are among the world's top savers. But experts warn that savings alone are not enough to plug the financial gap and achieve retirement goals. </p><p>This is because the low rates of return for savings mean they will not keep up with inflation - in other words, the real value of the lump sum will dwindle. </p><p>This means that a person who is not prepared to take risks is in reality taking on a much bigger risk of not being able to retire comfortably. </p><p></p><p><b>Making money work harder for you</b></p><p>TO MAKE matters worse, most Singaporeans also play it safe when investing for retirement, opting for low risks and low returns, the survey found. </p><p>Said Ms Annette King, AXA Life Insurance Singapore's chief marketing and strategy officer: 'Singaporeans should make their money work harder and take more risks. They may be able to retire earlier.' </p><p>Using an example of a 40-year-old with a $100,000 cash outlay for investments, she said that if he invests conservatively in pure fixed income instruments like bank deposits or kept monies with the CPF Board, the sum will have grown to $300,000 by the time he turns 70. The average return here is assumed to be 3.9 per cent. </p><p>But if the same investor puts his cash into a globally diversified portfolio of equities and fixed income, he will be much better off, with $2.9 million, based on annual returns of 11.9 per cent. </p><p></p><p><b>Lorna Tan</b></p></td></tr></tbody></table></p>

[此贴子已经被作者于2008-1-20 13:23:08编辑过]

雨茜

<p>嗯， 好帖子~</p><p>不过，呵呵~</p><p>十年年收入，还真的又是保险公司的统一说辞。</p>[em01]