重要新闻，CPF来的，可以免税，如下：Dear CPF member,
An Insider’s Tip: Final Call To Board The “Top-Up Train”
For many people, the year end is a period to wind down, holiday and buy presents for loved ones.
At CPF Board, we are especially busy. Why?
Well, this is the time of the year when many members give their loved ones or themselves the special gift of a CPF Top-up.
So what’s the benefit? Did you know that every dollar (in cash) used to top up your CPF Account or that of your loved ones by 31 December 2010, entitles you to tax relief (of up to $7,000 for next year’s tax assessment)! Please note that you can only top up if your CPF Account has not reached the top-up limit.
How much tax relief?You could enjoy tax relief of up to $14,000. Your tax savings is $1,190 if you are in the 8.5% tax bracket. Or $1,960 if you are in the 14% tax bracket! To find out exactly how much the tax benefit is, please use the Interactive Guide to Top Up the Special/Retirement Account*.
Remember: Top-ups to the Special / Retirement Account currently earn at least 4% interest p.a.! Where else can you get this interest rate?
And that’s why we are kept busy this time of the year. Always ready to serve you, and your loved ones. 有没有人知道这个top-up 是不是只对Special account, 包不包括Ordinary account?
收到CPF的来信我从来没有好好去看过。
靠，连一个fine print都没有。
7000给配偶的可以免税，但fine print的条件是，对方年收入在4000以下！
7000给父母的可以无条件免税，可惜，新PR是不可能有父母PR的。
所以，基本上空对空！
Did you know that every dollar (in cash) used to top up your CPF Account or that of your loved ones by 31 December 2010, entitles you to tax relief (of up to $7,000 for next year’s tax assessment)!
本文来自 新加坡狮城论坛 原文链接：http://bbs.sgchinese.com/forum.p … =4195401&extra=
可以给自己top up.
不对。正确的我已经说了。CPF讲的很清楚的，
CPF 的来信是这么说的呀，我可一字没改！！
没人收到这样的邮件吗？
我没有说你错，而是CPF的信有点不清不楚。
CPF规定原文是这样的：
You can also enjoy tax relief of up to $7,000 per calendar year, if you or your employer use cash to make top-ups for you. You can enjoy an additional tax relief of up to $7,000 per calendar year if you use cash to make top-ups for your siblings, spouse, parents or grandparents. To qualify for tax relief for cash top-ups for siblings/spouse, the sibling/spouse must have either (i) earned $4,000 or less in the preceding year or (ii) is handicapped.
他们既然写信了，就应该写全了吧。
给自己是可以的。
“有没有人知道这个top-up 是不是只对Special account, 包不包括Ordinary account?”
网站说只对SA，不包括OA。但前一阵有一个人说试了10块钱，是按不同帐户的。如果是不同帐户的反而好，至少可以用来买房子
不可能允许top up OA a/c的，否则大家掉脸就那去付房贷了，还可以免税，政府才不傻。
我就是想top up 用来买房子。
回复 cindyw03 的帖子
不错，政府是聪明的。不知道上次那个人怎么搞错了的
Tax resident or non-resident?
Different tax rates apply for tax residents and non-residents. You will be treated as a tax resident for a particular Year of Assessment (YA) if you are a:
Singaporean; or
Singapore Permanent Resident (SPR) if you have established your permanent home in Singapore; or
Foreigner who stayed/worked in Singapore for 183 days or more in previous year (excludes director of a company).
Otherwise, you will be treated as a non-resident of Singapore for tax purposes.
本文来自 新加坡狮城论坛 原文链接：http://www.sgchinese.com/thread-4195401-2-1.html
你有闲着很多不用的钱就去给自己 top-up 一点， 那年能免一点税。。。 但是你的闲钱就只能等到退休年龄你才可以拿出来用。。不可以用来投资。目的是要你存退休之后的生活费。等你退休没有其他收入来源的时候， 你取出来这笔钱用。。这笔钱相当于你取出那一个缴税年的收入， 因为普通人退休之后收入不高，或者根本没有其他收入，所以最后这笔钱+其他收入低过22000的时候， 那年不用交税， 相当于间接的免税。。你 top-up 的那年也可以省那么一点点税钱。如果你退休后收入还是很高，你再取那个钱出来的时候照样要交税。。。
如果你有别的投资的话， 就不要用这个 cpf 的办法去省那么一点点的税钱。。。算来算去的不划算。。。想想你自己缴税的% 是多少。。你每放100 进去 cpf ， 才省那么一点点。还要符合一些附加条件。不够折腾的。。还要把那笔钱锁几十年。。。
必须是有公积金帐户，所以父母必须是公民或PR
除了SA以外，也可以充MA （医疗账户)，自己在CPF的网站上就可以提交操作。
我去年充了一些减少税金。
你如果觉得把钱放到政府的一个长期储蓄户头，年回报3~4%比银行定存高很多，但是要退休才能取出（MA会早一点，生病就可以用）很舒服的话，其实也是一种不错的选择。
我也充过几千块到MA 用来给老婆生孩子住院时买单用的 鼠标点几下 就省了一些收入税