公积金在2028年启动低成本自动投资计划,以增加退休储蓄。 CPF to launch low-cost, automatic investment scheme in 2028 to boost retirement savings.

央行预测基金 (CPF) 董事会将在2028年初启动一个终身投资计划,为CPF会员提供低成本多元化投资选择,随着他们接近退休,自动从股票转移到债券. The Central Provident Fund (CPF) Board will launch a life-cycle investment scheme in early 2028, offering CPF members a low-cost, diversified investment option with automatic asset shifts from equities to bonds as they near retirement. 自愿方案基于森林合作伙伴关系咨询小组的建议,旨在为愿意接受中度风险的人增加退休储蓄。 The voluntary program, based on recommendations from the CPF Advisory Panel, aims to boost retirement savings for those willing to accept moderate risk. 两至三个商业供应商将在政府支持下提供这些产品,以保持低收费。 Two to three commercial providers will offer the products, with government support to keep fees low. 投资收益将首先为退休账户提供资金,直至全额退休,盈余将转入普通账户。 Investment proceeds will first fund the Retirement Account up to the full retirement sum, with surplus going to the Ordinary Account. 该倡议是继2026年预算措施之后提出的,这些措施包括:为符合条件的老年人一次性补充中央公积金;提高老年工人的缴款率;以4%的年支付增长来增加 " 照顾后生活 " 津贴。 The initiative follows Budget 2026 measures including a one-time CPF top-up for eligible seniors, increased contribution rates for older workers, and enhanced CareShield Life benefits with 4% annual payout growth.