{"id":999,"date":"2026-08-02T12:56:29","date_gmt":"2026-08-02T04:56:29","guid":{"rendered":"https:\/\/shiyao.ltd\/yanglao\/singapore-cpf-4-percent-rate-floor-2026\/"},"modified":"2026-08-02T12:56:29","modified_gmt":"2026-08-02T04:56:29","slug":"singapore-cpf-4-percent-rate-floor-2026","status":"publish","type":"post","link":"https:\/\/shiyao.ltd\/yanglao\/singapore-cpf-4-percent-rate-floor-2026\/","title":{"rendered":"\u65b0\u52a0\u5761\u9000\u4f11\u91d1\u4fdd\u5e954%\u5ef6\u81f32026\u5e74\u5e95"},"content":{"rendered":"<p>\u6709\u6548\u3002\u65b0\u52a0\u5761\u653f\u5e9c\u5df2\u5c06SMRA\uff08\u7279\u522b\u3001\u4fdd\u5065\u50a8\u84c4\u3001\u9000\u4f11\u8d26\u6237\uff094%\u5e74\u5229\u7387\u4fdd\u5e95\u5ef6\u957f\u81f32026\u5e7412\u670831\u65e5\uff0c\u5e02\u573a\u6838\u7b97\u5229\u7387\u4f4e\u4e8e4%\u65f6\u7531\u653f\u5e9c\u8865\u8db3\u5dee\u989d\u3002\u8fd9\u4e00\u4fdd\u5e95\u4ec5\u8986\u76d6SMRA\uff0c\u666e\u901a\u8d26\u6237\uff08OA\uff09\u57fa\u7840\u5229\u7387\u7ef4\u63012.5%\u4e0d\u53d8\u3002<\/p>\n<p>SMRA\u5229\u7387\u7684\u6302\u94a9\u673a\u5236\u662f\uff1a12\u4e2a\u6708\u5e73\u574710\u5e74\u671f\u65b0\u52a0\u5761\u653f\u5e9c\u503a\u5238\uff0810YSGS\uff09\u6536\u76ca\u7387\u52a01%\uff0c\u82e5\u8ba1\u7b97\u7ed3\u679c\u4f4e\u4e8e4%\uff0c\u5219\u63094%\u652f\u4ed8\u30022026\u5e74\u56db\u4e2a\u5b63\u5ea6\u7684\u516c\u544a\u5747\u663e\u793a\uff0c\u6302\u94a9\u6536\u76ca\u7387\u6301\u7eed\u4f4e\u4e8e4%\uff0c\u56e0\u6b64\u5b9e\u9645\u6267\u884c\u5229\u7387\u5c31\u662f\u4fdd\u5e95\u5229\u7387\u300210YSGS\u8fc7\u53bb12\u4e2a\u6708\u5e73\u5747\u6536\u76ca\u7387\u7ea6\u4e3a3.09%\uff0c\u52a01%\u540e\u4ecd\u4f4e\u4e8e4%\u7684\u4fdd\u5e95\u7ebf\u3002<\/p>\n<h2>\u7f51\u7edc\u6d41\u4f20&#8221;\u9000\u4f11\u8d26\u6237\u5229\u7387\u5df2\u4e0a\u8c03\u81f34.5%&#8221;\uff0c\u662f\u8bef\u8bfb<\/h2>\n<p>\u8fd9\u4e2a\u8bf4\u6cd5\u6e90\u81ea\u5bf955\u5c81\u4ee5\u4e0a\u4f1a\u5458OA\u8d26\u6237\u989d\u5916\u5229\u606f\u7684\u8bef\u89e3\u3002\u89c4\u5219\u662f\uff1a55\u5c81\u4ee5\u4e0a\u4f1a\u5458OA\u8d26\u6237\u99962\u4e07\u65b0\u5143\u53ef\u83b7\u989d\u59162%\u5229\u606f\uff08\u5176\u4e2d1%\u4e3a\u57fa\u7840\u989d\u5916\u5229\u606f\uff0c\u53e61%\u4e3a\u5e74\u9f84\u52a0\u6210\uff09\uff0c\u53e0\u52a0OA\u57fa\u7840\u5229\u73872.5%\u540e\uff0c\u8be5\u90e8\u5206\u6709\u6548\u5229\u7387\u8fbe\u52304.5%\u3002\u4f46\u8fd9\u53ea\u662fOA\u99962\u4e07\u65b0\u5143\u7684\u5c40\u90e8\u5229\u7387\uff0c\u5e76\u975e\u9000\u4f11\u8d26\u6237\u57fa\u7840\u5229\u7387\u30022026\u5e74SMRA\u57fa\u7840\u5229\u7387\u4ecd\u4e3a4%\uff0c\u6ca1\u6709\u4efb\u4f55\u4e0a\u8c03\u3002<\/p>\n<p>55\u5c81\u4ee5\u4e0b\u7684\u4f1a\u5458\uff0cOA\u99962\u4e07\u65b0\u5143\u4ec5\u83b7\u989d\u59161%\u5229\u606f\uff0c\u6709\u6548\u5229\u7387\u4e3a3.5%\uff1b55\u5c81\u4ee5\u4e0a\u624d\u4eab\u6709\u989d\u59162%\u7684\u4f18\u60e0\u3002\u8fd9\u4e2a\u989d\u5916\u5229\u606f\u4f1a\u8ba1\u5165SA\u6216RA\u8d26\u6237\uff0c\u7528\u4e8e\u589e\u52a0\u9000\u4f11\u50a8\u84c4\u3002<\/p>\n<h2>2026\u5e74CPF\u5404\u8d26\u6237\u5229\u7387\u4e00\u89c8<\/h2>\n<p>\u666e\u901a\u8d26\u6237\uff08OA\uff09\uff1a2.5%\uff0c\u6309\u4e3b\u8981\u94f6\u884c3\u4e2a\u6708\u5e73\u5747\u5b58\u6b3e\u5229\u7387\u8ba1\u7b97\uff0c\u53d72.5%\u6cd5\u5b9a\u6700\u4f4e\u5229\u7387\u4fdd\u62a4\u3002SMRA\uff1a4%\uff0c\u630910YSGS 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rate\uff09\uff1a2.6%\uff0c\u4e0eOA\u5229\u7387\u6302\u94a9\u5e76\u56fa\u5b9a\u9ad8\u4e8e\u51760.1\u4e2a\u767e\u5206\u70b9\u3002<\/p>\n<p>2026\u5e741\u67081\u65e5\u8d77\uff0c\u57fa\u672c\u533b\u7597\u4fdd\u5065\u91d1\u989d\uff08BHS\uff09\u8c03\u6574\u81f379,000\u65b0\u5143\uff0c\u9002\u7528\u4e8e65\u5c81\u4ee5\u4e0b\u4f1a\u5458\uff1b2026\u5e74\u6ee165\u5c81\u7684\u4f1a\u5458\uff0cBHS\u540c\u6837\u4e3a79,000\u65b0\u5143\u4e14\u7ec8\u8eab\u4e0d\u53d8\u3002MediSave\u8d26\u6237\u5b58\u6b3e\u8d85\u8fc7BHS\u540e\uff0c\u8d85\u51fa\u90e8\u5206\u5c06\u8f6c\u5165SA\u6216RA\uff0c\u5177\u4f53\u6d41\u5411\u53d6\u51b3\u4e8e\u4f1a\u5458\u5e74\u9f84\u548c\u8d26\u6237\u4f59\u989d\u60c5\u51b5\u3002<\/p>\n<h2>4%\u4fdd\u5e95\u4e0d\u662f\u53ea\u7ed955\u5c81\u4ee5\u4e0a\u4eba\u7fa4<\/h2>\n<p>SMRA\u4fdd\u5e95\u5229\u7387\u9002\u7528\u4e8e\u6240\u6709\u5e74\u9f84\u6bb5\u4f1a\u5458\u7684\u7279\u522b\u8d26\u6237\u3001\u4fdd\u5065\u50a8\u84c4\u8d26\u6237\u548c\u9000\u4f11\u8d26\u6237\u300255\u5c81\u4ee5\u4e0b\u4f1a\u5458\u7684SA\u548cMA\u540c\u6837\u4eab\u67094%\u7684\u4fdd\u5e95\u5229\u7387\u300255\u5c81\u4ee5\u4e0a\u4f1a\u5458\u989d\u5916\u83b7\u5f97\u7684\uff0c\u662fOA\u99962\u4e07\u65b0\u5143\u7684\u5e74\u9f84\u52a0\u6210\u5229\u606f\uff0c\u4e0eSMRA\u4fdd\u5e95\u662f\u4e24\u5957\u72ec\u7acb\u673a\u5236\u3002<\/p>\n<blockquote><p>&#8220;The Government will further extend the 4% floor rate for interest earned on all Special, MediSave and Retirement savings until 31 December 2026.&#8221; \u2014\u2014 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shiyao-sources-START --><\/p>\n<div class=\"shiyao-sources\" style=\"margin:40px 0 20px;padding:20px 24px;background:#f7f4ed;border-left:3px solid #8B7355;border-radius:4px;font-size:14px;line-height:1.8\">\n<h3 style=\"margin:0 0 12px;font-size:16px;font-weight:600;color:#3A352F;letter-spacing:.05em\">\u4fe1\u606f\u6765\u6e90<\/h3>\n<p style=\"margin:0 0 10px;color:#666;font-size:13px\">\u672c\u6587\u6574\u7406\u81ea\u4ee5\u4e0b\u516c\u5f00\u6750\u6599\uff1a<\/p>\n<ul style=\"margin:0 0 14px;padding-left:20px;color:#3A352F\">\n<li><a href=\"https:\/\/www.humanresourcesonline.net\/singapore-extends-4-cpf-interest-floor-on-special-medisave-and-retirement-accounts-until-end-2026\" target=\"_blank\" rel=\"noopener nofollow\">Singapore extends 4% CPF interest floor on Special, MediSave and Retirement Accounts until end-2026 | Human Resources Online<\/a><\/li>\n<li><a href=\"https:\/\/www.cpf.gov.sg\/member\/infohub\/news\/news-releases\/cpf-interest-rates-from-1-july-to-30-september-2026\" target=\"_blank\" rel=\"noopener nofollow\">CPFB | CPF interest rates from 1 July to 30 September 2026<\/a><\/li>\n<li><a href=\"https:\/\/endowus.com\/insights\/will-cpf-interest-rates-change\" target=\"_blank\" rel=\"noopener nofollow\">CPF OA, SA, MA, and RA interest rates (Q3 2026): Strategies to maximise your savings<\/a><\/li>\n<li><a href=\"https:\/\/www.cpf.gov.sg\/member\/infohub\/news\/news-releases\/cpf-interest-rates-from-1-january-to-31-march-2026-and-basic-healthcare-sum-for-2026\" target=\"_blank\" rel=\"noopener nofollow\">CPFB | CPF interest rates from 1 January to 31 March 2026 and Basic Healthcare Sum for 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.stashaway.sg\/r\/cpf-interest-rates-cpf-oa-sa-ma-ra-rates\" target=\"_blank\" rel=\"noopener nofollow\">Understanding CPF Interest Rates: CPF OA, SA, MA, and RA Rates 2026 | StashAway Singapore<\/a><\/li>\n<li><a href=\"https:\/\/www.greateasternlife.com\/sg\/en\/personal-insurance\/lifepedia\/retirement-income\/how-cpf-changes-2026-may-affect-retirement-plans.html\" target=\"_blank\" rel=\"noopener nofollow\">What the CPF changes in 2026 may mean for you | Retirement Income | Great Eastern Singapore<\/a><\/li>\n<li><a href=\"https:\/\/www.cpf.gov.sg\/member\/growing-your-savings\/earning-higher-returns\/earning-attractive-interest\" target=\"_blank\" rel=\"noopener nofollow\">CPFB | Earning CPF interest<\/a><\/li>\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=JtuD0c4GNyw\" target=\"_blank\" rel=\"noopener nofollow\">Budget 2026: New low-cost CPF investment scheme for Singaporeans willing to take on more risk<\/a><\/li>\n<\/ul>\n<p style=\"margin:0;color:#777;font-size:12.5px;font-style:italic\">\u672c\u6587\u7531 Dion \u6574\u7406\u4e0e\u64b0\u5199\uff0c\u7ed3\u5408 AI 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