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TR EMERITUS

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Archive for the ‘Policies’ Category

Our CPF system needs more than just superificial changes

The recent recommendation to our CPF savings at age 55 does not carry much benefit to the saver except that now he can choose to invest in a higher-risked investment scheme not unlike that of the current CPFIS one. The Retirement Account (RA) now carries a fixed 4% interest rate till age 65 when he can start to withdraw a monthly...

Is CPF Board solvent?

The PAP has been tweaking the CPF system for decades without addressing the underlying causes of our huge retirement shortfall. The objective of every review and tweak is to channel and retain more CPF funds in GIC. For decades, PAP has been channeling a disproportionate amount of retirement funds to support exorbitant housing...

AGO’s report on lapse in recovering university loans

The two universities, NUS and NTU granted several million dollars of loans to mainly Singapore students whose parents could not afford to pay for the cheap tuition fees that are already highly subsidized. In the AGO’s report where it did some sample tests, it discovered that the recovery of student loans in 23% of the cases...

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