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SCIENCE OF WEALTH

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

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    • 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

    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。

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