10 Facts About CPF S’poreans Probably Didn’t Know About [Video]

Transcript of Video:

1
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EH BOSS! You say give me $2,000 right?
Then what’s this? You give me less ah?
喂,老板!不是说好一个月会付我两千块的咯这算什么?你偷吃我的钱啊?

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I quit ah!
我不干了!

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Ok ok, Strawberry, relax.
好好,知道了。草莓先生,冷静点。

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Must be some kind of error; ok, let’s go see the HR
一定是有什么误会。走,我们过去人事部一趟。

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Don’t touch me!
别碰我!

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Come come come, let’s sort this out! Must be some kind of error, come on!
来来,我们来理清这件事。一定是有什么东西搞错了!来吧!

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Come come, take a seat, take a seat!
来,请坐!

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Can we check his pay? He say got something wrong–
可以查看他薪水的数额是否正确吗?他说有-

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You all don’t kay siao hor! Together one right?
你们不要装傻啦!你们都是串通好的是不是?

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See me easy eat then eat me right! I know I got rights one you know!
看我容易坑就坑我是吗?我很清楚我法律上的权益!

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Ok, relax relax –
好好,放轻松

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Do you have your payslip with you?
你有带你的工资单吗?

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Don’t kay siao la. My pay $2,000 you give me $1,600, possible or not?
不要装傻啦!我的薪水两千块,你才给我千六,你觉得可能吗?

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Lemme check ah.
让我看看啊

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$1,600 take-home correct mah. Got 20% CPF leh
一千六百块钱没错啊!公积金需要扣除20%啊!

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Boss arh, you very handsome today leh. You want coffee? We buy coffee, my treat.
老板啊,你今天很帅咧。你要喝咖啡吗?我们去买咖啡吧,我请客!

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It’s ok, it’s ok.
不需要啦,别担心。

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It’s okay one, just take it la. Just take it! Just take it!
没事的啦,老板。就接受吧!接受吧!

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No, it’s okay. I accept your resignation!
不不,没关系啦!我接受你的辞呈!

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I demand you take it! I demand you take it!
给我接受啊!给我接受!

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I accept your resignation! I ACCEPT YOUR-
我接受你的辞呈!我接受-

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This might be a little exaggerated,
这可能有些夸张,

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but every time a fresh grad applies for a job here in Goody Feed,
we have to tell them about CPF
但每当有新的求职人来申请工作时,我们都会告诉他们公积金的一切。

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As working adults, we are all familiar with the 20% contribution,
but how much do you really know about CPF?
职场多年的各位对公积金的20%贡献并不陌生。但你们对公积金有多了解呢?

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Here are ten facts about CPF that you probably didn’t know
以下是十种你可能不知道公积金常识

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Now, for the benefits of those who’re still studying, here’s
a basic idea of what CPF is all about
为了造福还在读书的各位,就让我们来为你们解释公积金到底是什么玩意儿。

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It’s like a compulsory savings plan for all Singaporeans and PRs
基本上,公积金就是像是一个强制性的储蓄计划

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When you work, a portion of your salary will be deducted into this account
因此,你每个月的薪金都有一部分会被扣除并放入这个公积金户口

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But here’s the good news,
好消息是

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the company you’re working for will also contribute some money into your account
你所属的公司每个月也会对你的公积金户口做出一定的贡献。

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If you’re like me, who’s 21 years old
如果你和我一样,是一个21岁的年轻人

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Your head la!
你的头啦!

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20% of your salary will be used to contribute to your CPF account
你薪金的20%会自动被存入你的公积金户头里。

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And your company will contribute an additional 17%
你的公司也会对你的户头贡献额外的17%

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So if your monthly pay is $2,000
打个比方:你的薪金如果是两千块钱

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$400 will be deducted from your salary and allocated to your CPF account
其中的四百块钱就会被存入你的公积金户头里

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And your company will contribute an additional $340
而你的公司也会贡献三百四十块钱。

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This means you’re $740 richer every month… on paper
也就是说,你每个月都会多存七百四十块钱。就理论上来说。。。

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Your CPF comes in 3 different main accounts: Ordinary Account,
Special Account and Medisave Account
公积金有以下三种不同的户头:普通户头,特别户头,以及医疗户头

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Depending on how old you are, your contributions will
be allocated to these accounts differently
依据你的年龄,你对不同户头的贡献也会随之改变

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Like for me, who’s 21 years old, I contribute more to my ordinary account
21岁的我,对普通户头的贡献会大于其他两个户头

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And for him, who’s 63 years old, he contributes more to his Medisave account
63岁的他,对医疗户头的贡献会大于另外两个户头

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The Ordinary Account is mainly used to pay for my HDB,
insurance, investment and education
普通户头主要用来购房,买保险,投资以及支付教育费用等等日常需要

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The Special Account is mainly for retirement
特别户头主要用于养老

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And the Medisave Account is kind of like medical insurance
而医疗户头则比较像是医疗保险

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There’s a lot more to them, so when you’re free, just go and Google them
关于公积金的信息还有很多。有空的时候就去谷歌搜查一下吧!

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For people like me, all I know is that I’ve to contribute 20%
of my hard-earned money to my old self
就我而言,我知道我需要贡献薪金的20%来养老

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However, it’s not for people like him
但是,像他这种人就不同

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His salary is $10,000 a month
他一个月的薪金是一万块钱

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But the maximum amount to look at for CPF contribution
但是公积金户头的最高贡献金额

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Or what they called the Ordinary Wages Ceiling
也就是公积金的工资上限

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Is at $6,000
是六千块钱

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So he doesn’t need to contribute $2,000 of his salary to CPF
所以,他每个月并不需要对公积金户头贡献两千块钱

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He just need to contribute $6,000 times 20%
他只需要贡献六千块钱的20%

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Which is $1,200
也就是一千两百块钱而已

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He’s my boss by the way
顺带一提,这家伙是我老板

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But f**k you anyway, boss
去你妈的,老板

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I hope he dies soon
我希望他快点去死

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CPF was set up in 1955, and can you guess how much
was the initial contribution?
公积金于1955成立。你们猜猜看,最初的贡献是多少钱?

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5% by the worker, and 5% by the company
员工贡献5%,公司贡献5%

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I know right now some of you are wishing that you’re probably back in 1955
我知道你们现在应该是恨不得回到1955年

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But here’s something even scarier: there’s no WiFi in 1955
但容许我说些可怕的东西:1955年互联网还不存在哦

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Not funny lah!
不好笑啦!

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Who said that? Eh hello!
谁说的?哈喽!

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Anyway, as I was saying, do you know that older
workers contribute less CPF?
话说回来,你知道年纪比较大的员工对公积金的贡献会比较少吗?

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If you’re between the age of 55 to 60 years old, you will only
need to contribute 13% of your salary for CPF
如果你的年龄介于55到60岁之间,你只需要贡献薪金的13%

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If you’re between the age of 60 to 65 years old, you only
need to contribute 7.5% of your salary for CPF
如果你的年龄介于60到65岁之间,你只需要贡献薪金的7.5%

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And if you’re above 65 years old, bingo. 5%
而你的年龄如果是在65岁以上,宾果!只需要5%

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But of course lah, during this prime period, your company will
also contribute lesser, at 13%, 9% and 7.5%
当然,公司的贡献也会随之减少。从13%到9%,至7.5%

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Self-employed people are people like Uber, Grab or taxi drivers
优步,Grab以及德士司机都算是自雇人士

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Or people running a business registered as a sole proprietorship,
what we call a one-man show, or the bao sua bao hai man
个人经营的生意,也算是自雇。基本上就是我们所说的“包山包海”的人啦

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For example, if you’re a Uber driver who earns $30,000 this
year after deducting all your expenses
比如说,你若是一位年薪有三万块钱的优步司机

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You will have to contribute $2,400 to your Medisave account
你就必须对你的医疗户头做出两千四百块钱的贡献

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By the way, that’s compulsory and not optional
这一切都不是可选的,而是必须的

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So you’re working part-time and earning $6 an hour
你的兼职工作一个小时付你六块钱

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You think you don’t have to pay CPF?
你是否认为你不需要贡献公积金了呢?

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Think again
那可就大错特错了=

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If your pay is over $750 a month, the same rules apply to you
只要你的月薪超过七百五十块钱,你还是得要做出贡献的

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If your pay is less than $500 a month, you don’t have to contribute,
but your company still has to
要是你的月薪少过五百块钱,只有你的公司需要做出贡献

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And if your pay is between $500 to $750…a bit tricky lah.
要是你的月薪介于五百块与七百五十块之间,那就有些棘手。

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But you can go online and check
不过你还是可以去网上查看的啦!

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Anyway right, for all you part-timers out there:
说到这里,让我提醒兼职人士一下

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if you have an employment contract with your employer,
make sure you get what you deserve
如果你和雇主之间有签一份就业合同的话,要记得争取你应当的报酬

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Not that you all really care, right?
不过你应该也是不管的啦

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There are many companies out there looking for interns
有许多公司都不断地在找在找实习生

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And it’s for a good reason
而这并不是没有理由的

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Firstly, it’s, erm, “affordable” labour
首先,嗯,实习生是“实惠”的劳工

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And secondly, you pay interns allowance instead of pay
再者,实习生每个月所获得的是“津贴”(零花钱)而不是薪金

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So technically speaking, these companies don’t have to contribute to CPF
所以说,这些公司并不需要对公积金做出任何贡献

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So, anyone wants to intern here at Goody Feed?
你们有任何人想要来Goody Feed实习吗?

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We got microwave, fridge and coffee macine
我们有微波炉,雪柜以及咖啡机

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And we have Zhi Hao
还有志豪

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Handsome
帅气

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Single
单生

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And funny
又有幽默感

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Do you know that bonuses, allowances and commissions
need CPF contribution too?
你是否知道花红,津贴以及佣金都需要扣除公积金?

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Here’s one example
打个比方

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Over here at Goody Feed, Jasmine, who is our CEO,
has a mobile allowance of $20 per month
明凯,我们的执行总裁,每个月都有二十块钱的电话津贴

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Technically speaking, $4 of that needs to go to his CPF
其中,四块钱是需要被放入公积金户头里的

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Don’t ask me why
别问我为什么

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Maybe it’s to pay his bills in 2057
或许是用来支付他2057年的水电费吧

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In case you think that we Singaporeans are so
smart to have come out with the CPF system
你也许会认为公积金的系统是新加坡人想出来的

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We didn’t
但其实不是

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Other countries have them, too
其他的国家也有类似的系统

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Except that they are under different names
只是名称不一样而已

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For example, Malaysia has the Employees Provident Fund,
which is called the EPF for short
举例来说,马来西亚的公积金的缩写是EPF,即Employees Provident Fund

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So nononononono. We came out with things like PIE, ERP,
COE, SMRT, KNNBCCB
所以,不不不不不。PIE,ERP,COE,SMRT,KNNBCCB或许是我们想出来的

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But not CPF
但CPF并不是

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So, now that you know more about CPF, do you feel somehow…smarter?
现在你对公积金有了更深一层的了解,你是否觉得自己比较聪明了呢?

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And if you want to, you can log in every day to check your CPF statements
如果你想要,你每天都可以登入公积金的网站查看你的公积金户头

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Trust me, if you do this every day you’ll feel richer
相信我,你要是这么做的话你会觉得自己比较有钱

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But there’s always just this one problem
不过,还是有一个问题

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Do you still remember your SingPass password?
你还记得你的SingPass密码吗?