年輕人養老金繼承規劃率不足4成！新加坡人力部急了

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2025年2月18日，新加坡人力部長陳詩龍在國會書面答覆蔡厝港集選區議員周凱年關於公積金提名人的統計資料問題。

以下內容為新加坡眼根據國會英文資料翻譯整理：

周凱年（蔡厝港集選區議員）詢問人力部長：

（a）當前公積金會員設立賬戶提名者的比例，並按（i）年齡層（ii）種族分類說明？

（b）針對長者與青年群體推廣提名制度的具體措施？

陳詩龍（人力部長兼貿工部第二部長）：公積金提名可確保會員身故後存款按意願快速分配予受益人。

在 2024 年去世的會員中，約80%已做提名。在健在的會員中，可以理解的是，年齡較大的會員更有可能做出提名。在65歲及以上的會員中，約有 86% 已作出公積金提名，而在16至64歲的會員中，這一比例僅為36%。在 16 至 64 歲而沒有作出提名的會員當中，大部分是44歲或以下的人士。與年齡不同，我們沒有觀察到不同種族的提名率有明顯差異。

中央公積金局（CPFB）透過持續的外展工作，積極鼓勵會員早做公積金提名，以吸引不同人口組別的人士，包括長者和青少年。這些努力包括與夥伴機構一起在鄰里開展宣傳活動和巡迴展覽，以提高人們的認識，並鼓勵他們採用遺產規劃工具，如中央公積金提名、持久授權書（LPA）與預先護理計劃（ACP）。中央公積金局還發送個性化通知，提醒成員進行或審查其中央公積金提名，尤其是在結婚等重大里程碑事件之後。

中央公積金局（CPFB）透過安全的線上提名服務，讓會員更方便地進行提名。對數字技術不太瞭解的會員可前往公積金服務中心或 ServiceSG 中心尋求協助，以進行提名。在公積金局的宣傳努力下，越來越多的公積金會員進行了提名。

以下是英文質詢內容：

Mr Zhulkarnain Abdul Rahim asked the Minister for Manpower (a) what is the current percentage of CPF members who have made nominations for their CPF accounts with a breakdown by (i) age group and (ii) race; and (b) what are the efforts made to promote the making of CPF nominations especially among the elderly and young adult groups.

Dr Tan See Leng: Making a Central Provident Fund (CPF) nomination allows members’ monies to be distributed more promptly and to beneficiaries in accordance with members’ wishes upon their demise.

Around 80% of members who passed away in 2024 had a nomination. Among members who are alive, older members are understandably more likely to have made a nomination. About 86% of members aged 65 and above have made a CPF nomination compared to 36% among those aged from 16 to 64. Of the members aged from 16 to 64 who have not made a nomination, the majority of them are aged 44 years old and below. Unlike for age, we do not observe sharp differentiations in nomination rates among the different races.

The CPF Board actively encourages members to make their CPF nominations through sustained outreach efforts to engage various demographics, including the elderly and young adult groups. These efforts include publicity campaigns and roadshows in the heartlands conducted together with partner agencies to raise awareness and encourage adoption of legacy planning tools such as CPF nominations, Lasting Powers of Attorney and Advance Care Plans. The CPF Board also sends personalised notifications to remind members to make or review their CPF nominations, especially after major milestones, such as marriage.

The CPF Board has made it more convenient for members to make their nomination through a secure online nomination service. Members who are less digitally savvy can visit our CPF service centres or ServiceSG centres for assistance to make their nomination. With CPF Board’s publicity efforts, more CPF members are making nominations.

CF丨翻譯

Alex丨編審

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