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How Much Interest Must Singaporeans Earn On Our CPF To Be Able To Meet The CPF Minimum Sum?公积金户头需要多少赚取多少的利率回报才能达到最低存款额的要求?

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经作者同意,本站转发作者中英文翻译稿件。中英文稿件如有不符之处,均以英文稿件作为最终的解释权。特此说明。

本文作者:鄞义林。 发表日期;2014年8月12日

全文如下。

新加坡人必须在自己的公积金户头里预留15万5千元最低存款后才有可能提取剩余的存款。假设我们无法达到这个要求,我们的公积金将会被套在公积金户头里,我们将无法提取在公积金户头里的钱。
Singaporeans need to set aside a CPF Minimum Sum of $155,000 inside our CPF before we are able to withdraw any access monies out to use. If we don’t have this Minimum Sum, our CPF monies will be trapped inside and we cannot withdraw our monies.
现在,我们已经能够知道将近90%的新加坡人连公积金的最低存款(不包括保健储蓄户头的最低存款)要求都无法达到。这就意味着,超过一半的新加坡人在公积金户头里的只有达到35%的最低存款额。
By now, we know that nearly 90% of Singaporeans cannot even meet the CPF Minimum Sum today, and half of Singaporeans do not even have $55,000 inside our CPF, which means half of Singaporeans have less than 35% of the CPF Minimum Sum!
我过去已经向政府提出了这个问题:政府已经知道大多数的新加坡人的公积金户头里根本就无法达到最低存款的要求情况下。为什么政府从1990年中开始还就一直上调公积金户头的最低存款?为什么政府要扣住我们在公积金户头的钱?
The question I had asked previously is why the government keeps increasing the CPF Minimum Sum since the mid-1990s, knowing that most Singaporeans will simply not have enough inside our CPF to meet the CPF Minimum Sum? Why does the government want to lock our CPF up?
示图说明:新加坡人的公积金最低存款的增长速度比公积金本身的平均增长率还要来得快。从1990年开始,政府就一直调高公积金最低存款额。事实上政府知道大多数新加坡人的公积金户头里的存款是无法达到最低存款额的要求的。红色曲线是政府逐年调高公积金最低存款额的走向。曲线是新加坡人在公积金户头平均的存款额走向。
01
看了这个示图后,我们的问题是:新加坡人的公积金户头要赚取多少利息才有可能达到最低存款的要求?
So, another question we need to ask is – how much interest do Singaporeans need to earn on our CPF so that we would be able to meet the CPF Minimum Sum?
今天,新加坡人必须在公积金存款户头和保健储蓄的混合户头里存有19万8千500元才可以从自己的公积金户头里提取剩余的存款。
Singaporeans Have to Meet a Combined CPF and Medisave Minimum Sum of $198,500 Today before We Can Withdraw Our CPF Monies!
在我们进一步讨论这个课题前,梁志轩先生已经发现:从2013年开始,在公积金最低存款之上,从今年开始新加坡人的保健储蓄户头里的存款还需要增加到4万3千5百元后才可能从自己的户头里提取剩余的存款。
However, before we go on further in the discussion, Leong Sze Hian has discovered that since 2013, on top of the CPF Minimum Sum, Singaporeans would also need to be an additional Medisave Minimum Sum of $43,500 (this year) before we are able to withdraw our CPF monies.
简单的说,对于那些已达到55岁的公积金会员在公积金户头里最低存款必须有19万8千500元,才可以从自己的户头里提取剩余的存款。这就意味着:超过一半以上的新加坡人在自己的公积金户头里根本就没有1/4的最低存款额。
In short, for someone who reaches 55 this year, he/she would need to have at least $198,500 in his/her CPF before any excess CPF monies can be withdrawn. This means that half of Singaporeans won’t even have a quarter of the combined Minimum Sums in our CPF!
示图说明:保健储蓄户头存款额:4万3千5百元。公积金户头最低存款额:15万5千元。
02
在30年期间,新加坡人在公积金混合户头里需要最低的存款是多少?
How Much Combined Minimum Sums Would Singaporeans Need to Meet in 30 Years’ Time?
一个今年25岁的新加坡现在开始在社会工作。他一直工作到55岁(即工作了30年)。在他/她达到55岁时,也就是2044年是,他/她在自己的公积金户头里的公积金和保健储蓄户头混合的存款是多少?
So, for a 25-year old Singaporean who starts work today, and works for another 30 years before he/she reaches 55, how much would the CPF and Medisave Minimum Sum be in 2044?
根据目前在公积金户头和保健储蓄户头的增长利率,预计到了2044年,他们在自己的公积金户头存款额将是36万5千元和13万3千5百元(这是最低的估算)。这就意味着,今天,一个25岁的新加坡人到了2044年必须在自己的公积金户头里预留总额49万8千元。这样,他才有可能在扣除了19万8千500元最低存款后提取剩余的存款。
At the rate that the CPF and Medisave Minimum Sums are growing, they would have grown to $365,000 and $133,500 in 2044 respectively (and this is a low estimate). This means that for a 25-year old Singaporean today, we would need to set aside a total of $498,000 inside our CPF in 2044, in order to be able to withdraw any excess CPF monies out.
示图说明:到了2044年公积金户头里的混合存款额。
青色曲线:公积金最低存款走向。
橙色曲线:保健储蓄户头存款走向。
03
公积金混合户头的最低存款额(包括偿还购屋的房贷)实际要多少?
How Much Would the Combined Minimum Sums Be, Including for Spending for Housing Loans?
我们不应该忘记,假设您是使用公积金偿还购屋房贷,这将进一步减少您的公积金户头存款。
But let’s not forget, if you use your CPF to pay for housing loans, this would eat into your CPF and cause you to save lesser inside your CPF.
因此,为了要计算您需要在公积金的户头里是否有足够的钱偿还房贷后,您才能够从公积金户头里提取所需的款项。这就是说,您必须考虑在公积金的最低存款额的同时,还需要考虑还有多少额外的钱偿还房贷。
So, in order to calculate how much you would need to actually have inside your CPF to have enough to pay for housing loans, and still be able to meet the withdrawal needs, you would also need to factor in how much extra you need to pay for the housing loans, on top of the CPF and Medisave Minimum Sums.
正如我在之前所说的,今天,假设一对夫妇要‘购买’一套屋价30万元的组屋,他们总共需要支付约40万元,这笔款项包括了房子的抵押贷款。假设房子抵押贷款是他们俩均分,那每个人就得承担通过公积金偿还20万元。
As I had written before, if a Singaporean couple “buys” a $300,000 flat today, they would have to spend about $400,000 in total, including for housing mortgage. If the housing mortgage is split equally, each person would need to pay $200,000 from their CPF.
因此,在公积金户头混合户头最低存款49万8千元的基础上,我们必须在自己的户头里增加多20万元,或者需要在户头里最少的存款是69万8千元,我们才有可能退休。
示图说明:
蓝色:房贷:20万元;
橙色;保健储蓄:13万3千5百元;
绿色:公积金最低存款:36万5千元。
Thus on top of the $498,000 Combined Minimum Sums, a person should have an additional $200,000, or be able to save at least a total of $698,000 to be able to retire in Singapore!
04
新加坡人的公积金户头每年必须赚取6%的利率回报才有可能达到最低存款的 要求
Singaporeans Need to Earn 6% on Our CPF to Be Able to Meet the Minimum Amount
因此,在这样的情况下,今天一个25岁的新加坡人,他的公积金的户头需要赚取多少利息后,才有可能确保能够达到最低存款69万8千元的后才有可能退休。
So, if this is the case, for a 25-year old Singaporean today, how much interest should we be able to earn on our CPF to ensure that we are able to meet the minimum amount of $698,000 to be able to retire?
我们以每月赚取1200元的收入者为例子。我们确保他们的常年加薪率是4%。他们的公积金户头每年也能够获得6%的利息,以便他们能够达到69万8千元的要求。
If we look at a low-income earner who earns $1,200 today, assuming that his/her salary increases by 4% every year, he/she would need to earn an interest of 6% on the CPF every year in order for he/she to be able to meet this minimum amount of $698,000!
示图说明:
黄色:每月薪金:1200元;
褐色:每年 加薪:4%;
粉红色:每年公积金户头可以赚取6%利息;
绿色:公积金户头存款总额是60万8千元.
05
这个例子是建立在这个人的薪金每年都保证获得4% 的加薪和他不会失业的情况下的设想。实事求是的说,这是不大可能的事。当一个低薪工人的年龄达到40岁时,他的薪金也就开始下调了。这就是说,他的收入是负增长。
But this is if a person continues to see a 4% increase in salary every year and never loses his/her job. However, we know that this is quite impossible, since for a low-income worker, after he/she reaches the age of 40, his/her wage then starts to decline, which means that there is negative wage growth!
示图:人力部2011年各行各业薪金调查报表:关于年龄介于25岁到29岁之间的各行业的收入比例。
06
正如这个图表所示。您可以想象一个低薪收入的工人,他们的公积金户头需要赚取更高的利息才有可能达到69万9千元的储蓄。他们的公积金户头需要赚取的利息可能需要7%-8%或更高的利息才有可能达到这个存款总额。
As such, you can imagine that for a low-income worker, he/she would need to earn a much higher CPF interest rate to be able to save $698,000! He/she might even need to earn 7% or 8% at the very least!
今天,根据政府提出‘渐进式起薪的模式’从每月1千元起步的话,那就是说,在40岁开始面对降薪的低收入的新加坡人的公积金户头将需要赚取7%到8%利息。
Today, the starting wages on the government’s Progressive Wage Model starts at $1,000, which means that a low-income Singaporean who faces wage-decline from age 40 would need to earn at least a 7% or 8% on our CPF!
但是,现在我们的公积金户头赚取的利息是多少?新加坡人的公积金户头赚取的利息税2.5%——4%和第一个6万元的1%额外利息。根据梁志轩先生说,新加坡人的公积金户头平均赚取的利息约为3%。这与需要赚取7%-8%的利息才可能退休的目标距离太远了。
But how much is the CPF interest rates now? Singaporeans are only earning 2.5% to 4% on our CPF, and an additional 1% on the first $60,000. According to Leong Sze Hian, Singaporeans earn an average of about 3% on our CPF. This is far lower than the 7% or 8% necessary for a low-income Singaporean to be able to save enough to retire on!
示图说明:
黑体字:新加坡人的公积金户头目前赚取的利息:
普通户头:2.5%;
保健储蓄户头(SMA):4%
红体字:新加坡人真正需要赚取的公积金户头利息7%——8%
07
新加坡人必须每月收入2千元才有可能达到最低存款3%利息的要求?
Singaporeans Should Earn $2,000 to Be Able to Meet the Minimum Amount on the Current 3% CPF Interest?
但是, 根据目前公积金局支付公积金会员户头平均3%的利息计算,那么,新加坡人每月的薪金应该是多少才有可能在公积金户头里储蓄足够69万8千元。
But based on the current CPF interest rate of an average of 3%, how much salary would a person need to earn in order to save a minimum of $698,000 inside the CPF?
假设您以最理想的方案:就是每年加薪4%计算,那么,他的薪金必须最少1893元或者1900元!
If you look at the optimal scenario of a 4% wage increase every year, a person would need to earn at least $1,893, or at about $1,900!
示图说明:
绿色:公积金户头里存款69万8千元
粉红色:目前公积金支付的利息3%
紫色:每年加薪4%
黄色:每月需要收入1990元
08

今天,近20%的新加坡人的薪金少于1900元!——这就是说:最少30%的新加坡人是没有足够的储蓄过退休生活。
Today, nearly 20% of Singaporeans don’t even earn $1,900 – which means that at least 30% of Singaporeans will not be able to save enough to retire!
而且这是最佳的设想方案:在不失业的情况下,每年加薪4%。但是,这是非常不可能的事。
But again, this is assuming the perfect scenario of a wage increase of 4% every year, without job losses, but this is very unlikely.
新加坡人每月收入必须最少是2500元——3000元才有可能退休。50% 的新加坡是不可能退休的。
Singaporeans Might Need to Earn As Much As $2,500 or $3,000 to Be Able to Retire in Singapore! 50% of Singaporeans Might Not Be Able to Retire.
好了。咱们把工资和失业的因素考虑在内,那么,新加坡人每月的收入最少需要2500元——3000元才有可能退休。
So, if we do factor in wage and job losses, a person might need to earn as much as $2,500 or even $3,000 to be able to save enough to retire!
假设每月最低工资是需要2500元,这就意味着:40%的新加坡人是不可能退休的。
If the minimum needed is $2,500, this would mean that 40% of Singaporeans today will never be able to save enough to retire.
假设新加坡人每月的收入需要3000元,这就意味着:今天50%的新加坡人没有足够的储蓄而无法退休的。
And if Singaporeans need to earn a minimum of $3,000, then 50% of Singaporeans today will never be able to save enough to retire!
现在,假设再把其他因素考虑进去,诸如有人决定出售他们的房子再买另一个或两个单位的房子,那就意味着更加多的新加坡人是无法退休的!或许,现在我们可以明白为什么90%的新加坡人是无法达到混合最低存款的要求和无法退休的原因了。
Now, if you include other factors, such as if someone decides to sell his/her apartment to buy another one for at least once or twice, then this means that even more Singaporeans wouldn’t be able to save enough to retire! Perhaps now we can understand why as many as 90% of Singaporeans cannot meet the Combined Minimum Sums today and cannot retire!
现在,2500元——3000元的收入不是一个新加坡人必须赚取的牵强性的薪金数额。假设我们看到一些今天和新加坡一样高的生活费国家,如东京,他们的人民需要最低的工资是2000元、澳大利亚工资是3000元,挪威低收入的工人薪金是5000元。
Now, $2,500 and $3,000 isn’t a far-fetched amount that Singaporeans should earn. If we look at countries which have a similar cost of living to Singapore today, Tokyo has a minimum wage of $2,000, Australia has a minimum wage of $3,000 and low-income workers in Norway earn $5,000.
因此。事实上,我们新加坡人是被新加坡政府欺骗了!——工人每月赚取的薪金1000元是最低的!30%的新加坡人每月赚取的薪金是少过2000元。
So, in fact, it is Singaporeans who are being shortchanged by our government, where the starting pay for workers is as low as $1,000 today, and 30% of Singaporeans earn lesser than $2,000!
示图说明:相同生活费的国家最低薪金比较:
新加坡:1000元
日本:2000元
澳大利亚:3000元
挪威:5000元
09
政府必须把GIC赚取的6%回报归还给新加坡人
The Singapore Government Has to Return the 6% Earned at GIC Back to Singaporeans
不管在任何情况下,假设我们是依据最理想的方案设想新加坡人的公积金每年是赚取6%利息。那么。正如前面所说的,低收入的工人的薪金每年加薪的幅度是4%,公积金支付的利息是6%,同时继续工作30年。那么,他们的公积金户头里将有可能储蓄69万8千元。
In any case, if we follow the optimal scenario, is it a pipe dream for Singaporeans to earn a CPF interest rate of 6%? Remember, earlier we said that for a low-income worker who sees a wage growth of 4% every year and stays on the job for 30 years, he/she would be able to meet the minimum amount of $698,000 at a 6% interest rate of the CPF.
但是,事实上公积金的户头并没有获得6% 的利息。
But actually, 6% should be what Singaporeans should be getting on our CPF today (but which we are not getting).
现在已经揭露了我们的公积金是投资在GIC。尽管政府无数次的否认(李光耀在2001年和2006年和黄永宏在2007年都否认这个事实!),最终政府在今年6月份承认了这个事实。我们现在知道:GIC的成长壮大是靠我们的公积金。这就说明了:GIC就是相似于我们的公积金。
It has now been exposed that our CPF is invested in the GIC. After numerous denials by the government (by Lee Kuan Yew in 2001 and 2006 and by Ng Eng Hen in 2007), the government finally admits the truth that our CPF is invested in the GIC in June this year. We now know too that our CPF makes up the bulk of the GIC’s assets, which means that the GIC is in fact akin to our CPF.
示图说明:李资政:GIC没有使用公积金。(海峡时报)
李光耀
在1999年,Mukul Asher 教授批评公积金的利率时说:‘这是没有经济基本原理的每年支付固定的利率给储蓄期基本上是35年(即35年工作时间)或更长的户头。’
In 1999, Prof Mukul Asher had criticised the CPF interest rates by saying that, “there is “no economic rationale” to pay a one-year fixed deposit rate on what is essentially a 35-year or more (the duration of one’s working life) savings plan”.
确实,因此从1981年GIC成立至今已经33年了。GIC支付的利息是多少?这样,新加坡人民就可以知道我们的公积金实际上赚取多少利息。
Indeed, it is thus important to know what is the GIC’s interest rates since its inception in 1981, so that Singaporeans will be able to know how much our CPF should actually be earning. It has been 33 years now.
无论如何,政府拒绝回答这个问题。
However, the government has refused to reveal this information.
尽管政府拒绝回答这个问题,我们还是可以通过其他过去已经能够揭露的信息去推算这个问题的答案。在2006年,当时的资政和GIC主席李光耀披露,GIC的常年回报率是‘从GIC成立直到2006年为止的25年,以新币为货币单位计算,GIC的回报率是8.2%’
Even so, we are able to triangulate this information from some of the information that has been revealed in the past. In 2006, then-Minister Mentor and the Chairman of GIC revealed that the GIC’s annual returns averaged “8.2 percent in Singapore dollar (SGD) terms in the 25 years ended March 2006″ since its inception.
副总理兼财政部长善达曼也披露说,‘在过去的5年里(从2014年),(GIC) 以新币为货币单位计算是0.5%。在过去10年里(GIC)是赚取了以新币为货币单位计算的回报率是5%。在过去20年里,以新币为货币单位 计算的回报率是5%。’
Deputy Prime Minister and Finance Minister Tharman had also revealed that, “Over the last 5 years (from 2014), (GIC) earned 0.5% in SGD terms, over the last 10 years it earned 5% in SGD terms, over the last 20 years it earned 5% in SGD terms.”
GIC在其报告里披露;‘到2014年3月份,与过去年代相比,GIC的20年投资组合的年实际回报率是4.1%,在过去20年里,美金为单位的投资组合累计的常年投资回报率是6.5%,’
GIC also reported that, “The GIC Portfolio’s 20-year annualised real rate of return for the year ended 31 March 2014 was 4.1%, compared to 4.0% for the previous year. In USD nominal terms, the GIC Portfolio generated an annualised return of 6.5% over the same 20 years.”
从上述的信息大约估算,GIC从头成立至今可能赚取的投资回报是6%到6.5%。
So roughly, the GIC might have earned about 6% to 6.5% in interest since inception.
假设这个估算是正确的,那么,新加坡人民的公积金户头应该赚取的利息是6%—到6.5%。
If so, 6% to 6.5% should be what Singaporeans should be earning on our CPF.
示图说明:
浅绿色:GIC动用我们的公积金去投资赚取的利息6%。
深绿色: 新加坡人民的公积金应该获得的利息是6%
011
政府必须调高我们的公积金存款利率最少是6%或者指定最低薪金每月2千元。
The Government Should Increase CPF Interest Rates to At Least 6% and/or Set a Minimum Wage of $2,000
因此,对于低收入者的一个最佳方案是:给予6%的利息的可行性是极高的。
Thus for a low-income earner in an optimal scenario, a 6% CPF interest rate is highly viable.
当然,为了确保全体新加坡人民都能够有条件退休,同时也必须把其他问题考虑在内,诸如实施最低薪金制和保障新加坡的工作前景。
But of course, to ensure that all Singaporeans are able to adequately retire, this would also mean putting other measures in place, such as by implementing a minimum wage and by securing the job prospects of Singaporeans.
因此,本文章提出建议:为了确保30年的最低存款额和偿还(第一套住房)购屋的房贷,我们可以设定新加坡人的公积金的利息必须是6%
So, for the purpose of this article, what we can establish is that Singaporeans should earn a 6% on our CPF in order to be able to meet the Combined Minimum Sums 30 years down the road, and spending for the housing loans (for one flat).
假设政府不愿意调高公积金的利率,那么,政府就必须实施每月2千元的最低薪金制(如上述所说的。)或者把这两者结合在一起。请记住,假设这是一个最佳的方案。否则,工资和公积金的利率将会调得更高,或者其他的政策必须同时实施。
And if the government does not want to increase the CPF interest rates, then it would need to implement a minimum wage of possibly at least $2,000 (as had been shown above), or do a combination of both. And remember, this is if there is an optimal scenario. Otherwise, wages and CPF interest rates would need to be even higher, or other measures would need to be implemented as well.
示图说明:为了在30年公积金 的混合户头可以达到最低存款要求:
黄色:新加坡人民的公积金户头的利率必须是6%
蓝色:新加坡人民每月的最低薪金是2千元
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显然的,目前新加坡人民的工资和公积金户头的利率是完全无法让新加坡继续储蓄达到最低存款额的。对于一个已经能够成长为世界上生活费最高的国家而言,30%的新加坡人每月收入少过2千元而言,这是一个极其令人感到难堪和亏待新加坡人民的事。
Evidently, the current wages that Singaporeans are being paid and CPF interest rates are severely inadequate to allow Singaporeans to save on. To have 30% of Singaporeans earn less than $2,000 is honestly quite embarrassing and a mistreatment of Singaporeans, for a country that has grown to become the most expensive place to live in, in the world.
这是政府需要一些正直的态度。政府给自己支付了世界上最高的薪金,但是,他们却希望新加坡人民是生存在一个世界上发达国家中最低薪金的人民,以这样的一个水平来算,新加坡人民的贫穷率是高达20%(如果以每月收入1500元计算)或30%(如果以每月收入是3000元计算)
The government needs some integrity here. It is absolute nonsense for the government to pay themselves the highest salaries in the world, but expect Singaporeans to survive on one of the lowest wages among the developed countries. And depending on which wage level you use, Singaporeans could have a poverty rate of as high as 20% ($1,500) or 30% ($2,000).
对新加坡人民而言来说,情况是极其不利的。
Things are looking pretty bad for Singaporeans.
新加坡人民在过去15-20年期间遭受新加坡政府的欺凌
Singaporeans Have Been Bullied by the Singapore Government for the Past 15 to 20 Years
在过去15年,新加坡人民被迫接受政府支付的公积金利率2.5%到4%之间,这或者是世界上最低的利率。
It has been 15 years since Singaporeans were forced to accept low CPF interest rates of between 2.5% to 4% – or the lowest interest rates in the world.
今天,尽管我们的公积金储蓄是占国家储蓄的37%,但是,新加坡人也是世界上没有足够的退休金退休的国家。
Today, Singaporeans also have one of the least adequate retirement funds in the world, even though we contribute the highest proportion of our wages – 37% – into CPF.
示图说明:世界各国的社会安全贡献率,新加坡是最高:37%
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请您想想看,假设90%的新加坡人民根本没有足够的退休金而无法退休的原因,是因为我们的公积金户头无法达到最低存款额,那么,这里面是不是有问题?
If 90% of Singaporeans are simply not able to retire adequately because we cannot meet the CPF Minimum Sum, then something is very wrong here, don’t you think?
但是,政府从1999年至今的15年里我们的公积金的利率还是停滞在2.5%到4%之间。政府也拒绝制定最低工资制。他们现在只是开始进行所谓的1千元薪金的‘渐进式的工资模式。’
Yet, the government would hang on to the unchanged CPF interest rates of 2.5% to 4% for the past 15 years (since 1999) and refuses to implement a minimum wage, but would only institute starting wages of a minute $1,000 under their Progressive Wage Model.
然而,在1990年中,政府把公积金的最低存款额大幅度的提高。政府事实上知道新加坡人民的公积金户头里根本就没有足够的最低存款额和新加坡人民根本就无法达到最低存款额的要求!与此同时,对于新加坡人民要求提高薪金的诉求政府却极其勉强。
Yet, since the mid-1990s, the government would increase the CPF Minimum Sum to such a huge extent, knowing full well that Singaporeans simply do not have enough inside our CPF and will not have enough, to meet the CPF Minimum Sum! At the same time, wages for low-income Singaporeans have hardly increased at all!
为什么政府在提高公积金户头最低存款额的同时,却对新加坡人的薪金和公积金始终滞留不动和给予公积金低利率?
Why would the government increase the CPF Minimum Sum while forcing Singaporeans wages and CPF to remain stagnant, on low CPF interest rates?
为什么政府要这样做?请大家自己去想想?但是,重要的问题是:为什么政府违背了对新加坡人民的承诺责任?
Why the government would do this is anyone’s guess, but the main question to ask – why did the government reneged on its responsibility to Singaporeans?
因此,最少在过去的15——20年里(或者更长的时间——请注意:保健储蓄户头是在1984年设立的、公积金最低存款额是在1987 设立的。因此,距离现在可以说是30年了。),新加坡人民向政府发出了信号:公积金制度已经失败了。但是,政府至今尚未采取任何确实让人们信服的行动去增加公积金户头里的退休金。反过来,政府却强制人民从自己的工资里扣除更多的钱到公积金的户头里、降低公积金户头的利率和强迫新加坡人民做更长的工作时间。
So for at least the past 15 to 20 years (or more – note the Medisave was created in 1984 and the CPF Minimum Sum in 1987, so maybe 30 years now?), Singaporeans have been signalling to the government that our CPF is broken, yet the government has not taken any credible action to increase our retirement funds. In its place, the government instead forced Singaporeans to pay more from our wages into CPF, reduce CPF interest rates and force Singaporeans to work longer.
政府提出的计划是政府不需承担任何损失,而是让新加坡人民遭受痛苦的解决方案。这是不对劲的事。
Something is not quite right with the government’s planning when coming out with a solution requires Singaporeans to suffer, without any losses on the government’s part.
新加坡政府单方面牺牲新加坡人民利益的行为必须停止。目前新加坡政府已经让新加坡人民的安全面临威胁。
The uni-lateral victimisation of Singaporeans by the government has to stop. The security of Singaporeans is right now under threat by the current government.
第三场《归还我们的公积金》集会
3rd Edition Of The #ReturnOurCPF Event
我们将于2014年8月23日举行第三场《归还我们的公积金》集会。
On 23 August, there will be a third edition of the #ReturnOurCPF event.
请和我们站在共同的立场参加第三场集会。政府不可以拿了新加坡人民的公积金去投资后,告诉新加坡人民他们不知道是在动用我们的公积金,这是一个羞辱新加坡人民和光天化日下的抢劫。
Join us at the third edition and take a stand. The government cannot take Singaporeans’ CPF to use and tell us that they do not know what they are using it for. This is a derision to Singaporeans and daylight robbery!
让我们大家于8月23日在芳林公园见面。为了我们未来的美好生活、为了我们的孩子们,让我们走到一块,团结起来发出要求改变的共同的声音!
On 23 August, we will see you at Hong Lim Park. Let’s come together, be united and speak for change, for the better for our lives, and our children’s.
请您到如下的网页了解有关2014年8月23日举行的《归还我们的公积金》集会的详情。
You can join the Facebook event page here.
(9)(8)
同时, 我的诽谤案件将于2014年9月18日遭受10点整在法院进行全天的庭审。
Also, my first court case will be held on 18 September 2014, at 10.00am. It will be a full-day hearing.

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