退休10年不提款 EPF会员变百万富翁
新闻报报看 | 由于担心人民退休后不善于管理自己的养老金，把辛苦了大半辈子才存下的EPF一次过花完，公积金局目前正在探讨让会员55岁后定期提款的措施，以保障会员的退休生活。但如果你定力够强，又或者你有其他储蓄和投资过生活，可以忍住不碰那笔存在EPF户口里的钱，10年就好，就能像新闻报道所提到的，EPF会员变百万富翁。（主播：梁宝仪、庄文杰）
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NewsTranscript
00:00 Due to the concern that people are not good at managing their pension after retirement
00:04 and spend all the EPF they have saved for the rest of their lives
00:08 The Public Security Bureau is currently discussing
00:10 to make a measure to allow members to withdraw money on a regular basis after the age of 55
00:15 to ensure the retirement of members
00:17 But if you have strong enough deposit
00:19 or you have other savings and investment to live
00:23 you can bear not to touch the money in the EPF account
00:28 Just 10 years, you won't touch it for 10 years
00:30 10 years after 55 years old
00:31 Then you will write to the cover of the Sunlight Daily
00:34 EPF members can become millionaires
00:38 Everyone can become millionaires after retirement
00:42 Is this true?
00:43 Okay, let's listen to the EPF Strategy Manager
00:46 Belkis Yusof
00:48 According to the Public Security Bureau
00:49 In the past 10 years, everyone has seen an average of 6% of the interest rate
00:54 We use this basis to calculate
00:56 Even if members stop accepting public funds after retirement
00:59 No need to pay EPF
01:01 Savings can also grow by about 80% within 10 years
01:05 How does this 80% count?
01:07 He gave an example
01:08 According to the current stock market
01:10 If a person has a savings of 600,000 RMB at the age of 55
01:15 Everyone listen carefully
01:17 You must have 600,000 RMB at the age of 55
01:21 Five years later, that is, before you are 60 years old
01:24 If you don't make any investment
01:26 The savings will increase to 833,000 RMB
01:29 If you hold back for 10 years
01:32 If you don't mention it
01:34 When you are 65 years old
01:35 There is a 1.07 million RMB savings in the EPF account
01:39 The premise is that you must have 600,000 savings first
01:43 And the premise is that you must live until 65 years old
01:46 That money can be spent
01:47 The Strategy Manager said
01:50 This highlights the advantage of using benefits as soon as possible
01:53 EPF members should take advantage of this benefit
01:56 As a guarantee of safe retirement
01:59 In order to emphasize this
02:00 He also took the example
02:01 If a member
02:02 He has been making 100 RMB every month from the age of 20 to 60
02:07 Then through the benefit
02:08 You can make his capital from 48,000 RMB to 191,000 RMB
02:14 Compared to
02:15 If you are 40 years old
02:17 You start to make 200 RMB every month
02:19 To 60 years old
02:20 It is equivalent to the total amount of 48,000 RMB
02:24 After 20 years
02:26 It can only accumulate to 91,000 RMB
02:29 From the chart
02:31 You can see clearly
02:33 This expert reminds everyone
02:36 Save your EPF as soon as possible
02:38 This director is also particularly worried about the savings of the People's Public Fund
02:43 Why?
02:44 Because everyone has seen it in the past
02:45 There is data showing
02:46 Members between the ages of 50 and 54
02:50 Half of them
02:51 EPF savings is less than RMB 50,000
02:55 You can only spend RMB 50,000 after retirement
02:57 This means you save
02:59 In the next 20 years
03:00 The monthly living expenses are only 208 or less
03:04 This will lead to the classification of this group of friends as "poor"
03:07 And the biggest factor that leads to too little EPF savings
03:11 The Director of the Strategy Management Department of the EPF Bureau still believes it is a matter of salary
03:14 He cited data
03:16 Among the 7.9 million active members of the People's Public Fund
03:20 78% of the members
03:22 Their monthly income is less than RMB 5,000
03:27 More than half of them
03:28 Their monthly salary is less than RMB 2,000
03:31 In addition to the low retirement savings
03:32 The birth rate is declining
03:34 And the expected life expectancy will be extended
03:36 It also exacerbates the problem of the late-life of the Malays
03:39 Lack of insurance
03:42 [Music]