The Basic Healthcare Sum (BHS) is the estimated savings that you need for your basic subsidised healthcare needs in old age. Amounts above the BHS will flow to your Special or Retirement Accounts to boost your monthly payouts. This applies regardless of your age.
The BHS is set at $52,000 on 1 January 2017 for all CPF members aged 65 and below. As life expectancy and healthcare costs rise, younger cohorts of CPF members will need more Medisave for their healthcare expenses in old age. The BHS will therefore be adjusted yearly in January to keep pace with the growth in Medisave use by the elderly.
https://www.cpf.gov.sg/Assets/members/Documents/Illustration_of_topup_monies_in_RA.pdf
How can top-up monies be used?
Top-up monies are set aside specifically for retirement needs and will be streamed out as monthly payouts under the Retirement Sum Scheme, or CPF LIFE1. It cannot be used for other purposes such as education, investment, insurance premium payments, housing, be withdrawn via a property with sufficient CPF property charge or pledge, CPF transfers and/or exemption.
In general, top-up monies will form part of your retirement sums. However, top-up monies in the RA cannot be used to form part of the Basic Retirement Sum(BRS) in computing how much RA savings2 can be withdrawn through sufficient CPF property charge or pledge, as well as how much RA savings2 can be used for participation in the following CPF schemes:
Members who wish to withdraw RA savings above their BRS for housing
Members who wish to transfer RA savings above their BRS to their spouse’s CPF account, under the Retirement Sum Topping-Up scheme​
[size=0.9em]1 Note that non top-up monies will be used first before top-up monies.
[size=0.9em] 2 RA savings refers to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received and top-ups received under the Retirement Sum Topping-up scheme), plus amounts withdrawn such as monthly payouts and payout eligibility age lump sum withdrawal.
Please click on Top-up monies in RA (PDF, 0.2MB) for an example.
。。。top-up monies will form part of your retirement sums. However, top-up monies in the RA cannot be used to form part of the Basic Retirement Sum(BRS)。。。
哎哟哟，色鹿到底有读的懂吗？
55岁前，你可以TopUp进去SA，可是TopUp进去的钱，是“cannot be used to form part of the Basic Retirement Sum(BRS)”，不可以在55岁Create RA时提出来。
你有看我上面给的CPF的Example的PDF吗？
limlg 发表于 1-12-2017 03:18 PM
哎哟哟，色鹿到底有读的懂吗？
55岁前，你可以TopUp进去SA，可是TopUp进去的钱，是“cannot be used to form part of the Basic Retirement Sum(BRS)”，不可以在55岁Create RA时提出来。
你有看我上面给的CPF的 ...
补充： 去年，当委员会建议ers时，有这么一段话： With this new cap, about 8 in 10 active members turning 55 today will be able to commit all their cpf saving acumulated in their working lives to receive cpf life payouts, should they opt to do so. （8 in 10有超过16万（frs）在退休户口里面？）
楼主
发表于 29-11-2017 05:22 PM
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