The Business Times
business-time-50
SCIENCE OF WEALTH
·
SUBSCRIBERS

不投资公积金存款，或许风险更大

普通户头存款的实际价值，已难以追上生活成本的上涨速度

google-preferred-sourceAdd BT as a preferred source
    • 人们之所以难以跑赢公积金普通户头2.5%的利率，通常是受到情绪和高成本的影响。
    • 人们之所以难以跑赢公积金普通户头2.5%的利率，通常是受到情绪和高成本的影响。 照片：BT档案照片

    DeeperDive is a beta AI feature. Refer to full articles for the facts.

    Samuel Rhee &

    Hugh Chung

    Published Mon, Feb 2, 2026 · 03:03 PM

    本文由AI辅助翻译

    查看原文

    【新加坡】对几代新加坡人而言，公积金 (Central Provident Fund, CPF) 一直是他们财务保障的基石。

    其分层利率——普通户头 (OA) 的2.5%和特别户头 (SA) 的4%——通常被视为终极的“无风险”基准。在一个动荡的世界里，政府担保的回报所带来的心理安慰不容小觑。

    然而，随着金融格局的演变，“无风险”回报本身反而可能成为一种风险——即落后的风险。近来，我们经历了一段高通胀时期，普通户头存款的实际价值已难以跟上生活成本的上涨速度。

    Decoding Asia newsletter: your guide to navigating Asia in a new global order. Sign up here to get Decoding Asia newsletter. Delivered to your inbox. Free.

    此翻译对您是否有帮助？

    The Science of WealthCPF

    Share with us your feedback on BT's products and services

    Feedback

    TRENDING NOW

    Air India has been one of the foreign carriers most affected by the outbreak of hostilities in the Middle East.

    Air India asks Tata, Singapore Airlines for funds after US$2.4 billion loss

    In this economy, the smartest bets might no longer be sitting an ocean away, but are waiting right here at home.

    ‘Boring’ is the new black: The stars are aligning for a Singapore stock market revival

    Malaysia Madani, or Civil Malaysia, is Prime Minister Anwar Ibrahim's slogan encapsulating positive values (such as humanity and strong governance) that would shape policy direction. But the "corporate mafia" claims have now cast the spotlight on governance credibility.

    From 1MDB to ‘corporate mafia’: Is Malaysia facing a new governance test?

    Malaysia ranks 23rd globally on the Milken Institute’s global opportunity index.

    South-east Asian markets account for 8.8% of global capital inflows from 2021 to 2024: report

    Latest T-bills Treasury Bills Results & Interest NewsLatest SSB Singapore Savings Bonds NewsLatest COE Certificate of Entitlement News
    Latest Johor-Singapore SEZ NewsLatest BTO Build To Order & Sales of Balance NewsLatest STI Straits Times Index NewsLatest SGX Dividends, Share Price NewsLatest Bonds Market NewsLatest Singapore Stocks To Buy NewsLatest Singapore Economy News
    View More