公积金户头需要赚取多少的利率回报才能达到最低存款额的要求?

How Much Interest Must Singaporeans Earn On Our CPF To Be Able To Meet The CPF Minimum Sum?

新加坡人必须在自己的公积金户头里预留15万5千元最低存款后才有可能提取剩余的存款。假设我们无法达到这个要求,我们的公积金将会被套在公积金户头里,我们将无法提取在公积金户头里的钱。

Singaporeans need to set aside a CPF Minimum Sum of $155,000 inside our CPF before we are able to withdraw any access monies out to use. If we don’t have this Minimum Sum, our CPF monies will be trapped inside and we cannot withdraw our monies.

现在,我们已经能够知道将近90%的新加坡人连公积金的最低存款(不包括保健储蓄户头的最低存款)要求都无法达到。这就意味着,超过一半的新加坡人在公积金户头里的只有达到35%的最低存款额。

By now, we know that nearly 90% of Singaporeans cannot even meet the CPF Minimum Sum today, and half of Singaporeans do not even have $55,000 inside our CPF, which means half of Singaporeans have less than 35% of the CPF Minimum Sum!

我过去已经向政府提出了这个问题:政府已经知道大多数的新加坡人的公积金户头里根本就无法达到最低存款的要求情况下。为什么政府从1990年中开始还就一直上调公积金户头的最低存款?为什么政府要扣住我们在公积金户头的钱?

The question I had asked previously is why the government keeps increasing the CPF Minimum Sum since the mid-1990s, knowing that most Singaporeans will simply not have enough inside our CPF to meet the CPF Minimum Sum? Why does the government want to lock our CPF up?

CPF Minimum Sum Grows Faster Than the CPF Itself@Facebook

示图说明:新加坡人的公积金最低存款的增长速度比公积金本身的平均增长率还要来得快。从1990年开始,政府就一直调高公积金最低存款额。事实上政府知道大多数新加坡人的公积金户头里的存款是无法达到最低存款额的要求的。红色曲线是政府逐年调高公积金最低存款额的走向。曲线是新加坡人在公积金户头平均的存款额走向。

看了这个示图后,我们的问题是:新加坡人的公积金户头要赚取多少利息才有可能达到最低存款的要求?

So, another question we need to ask is – how much interest do Singaporeans need to earn on our CPF so that we would be able to meet the CPF Minimum Sum?

今天,新加坡人必须在公积金存款户头和保健储蓄的混合户头里存有198500元才可以从自己的公积金户头里提取剩余的存款。

Singaporeans Have to Meet a Combined CPF and Medisave Minimum Sum of $198,500 Today before We Can Withdraw Our CPF Monies!

在我们进一步讨论这个课题前,梁志轩先生已经发现:从2013年开始,在公积金最低存款之上,从今年开始新加坡人的保健储蓄户头里的存款还需要增加到4万3千5百元后才可能从自己的户头里提取剩余的存款。

However, before we go on further in the discussion, Leong Sze Hian has discovered that since 2013, on top of the CPF Minimum Sum, Singaporeans would also need to be an additional Medisave Minimum Sum of $43,500 (this year) before we are able to withdraw our CPF monies.

简单的说,对于那些已达到55岁的公积金会员在公积金户头里最低存款必须有19万8千500元,才可以从自己的户头里提取剩余的存款。这就意味着:超过一半以上的新加坡人在自己的公积金户头里根本就没有1/4的最低存款额。

In short, for someone who reaches 55 this year, he/she would need to have at least $198,500 in his/her CPF before any excess CPF monies can be withdrawn. This means that half of Singaporeans won’t even have a quarter of the combined Minimum Sums in our CPF!

Slide1

示图说明:保健储蓄户头存款额:4万3千5百元。公积金户头最低存款额:15万5千元。

30年期间,新加坡人在公积金混合户头里需要最低的存款是多少?

How Much Combined Minimum Sums Would Singaporeans Need to Meet in 30 Years’ Time?

一个今年25岁的新加坡现在开始在社会工作。他一直工作到55岁(即工作了30年)。在他/她达到55岁时,也就是2044年是,他/她在自己的公积金户头里的公积金和保健储蓄户头混合的存款是多少?

So, for a 25-year old Singaporean who starts work today, and works for another 30 years before he/she reaches 55, how much would the CPF and Medisave Minimum Sum be in 2044?

根据目前在公积金户头和保健储蓄户头的增长利率,预计到了2044年,他们在自己的公积金户头存款额将是36万5千元和13万3千5百元(这是最低的估算)。这就意味着,今天,一个25岁的新加坡人到了2044年必须在自己的公积金户头里预留总额49万8千元。这样,他才有可能在扣除了198500元最低存款后提取剩余的存款。

At the rate that the CPF and Medisave Minimum Sums are growing, they would have grown to $365,000 and $133,500 in 2044 respectively (and this is a low estimate). This means that for a 25-year old Singaporean today, we would need to set aside a total of $498,000 inside our CPF in 2044, in order to be able to withdraw any excess CPF monies out.

Slide2

示图说明:到了2044年公积金户头里的混合存款额。

青色曲线:公积金最低存款走向。

橙色曲线:保健储蓄户头存款走向。

公积金混合户头的最低存款额(包括偿还购屋的房贷)实际要多少?

How Much Would the Combined Minimum Sums Be, Including for Spending for Housing Loans?

我们不应该忘记,假设您是使用公积金偿还购屋房贷,这将进一步减少您的公积金户头存款。

But let’s not forget, if you use your CPF to pay for housing loans, this would eat into your CPF and cause you to save lesser inside your CPF.

因此,为了要计算您需要在公积金的户头里是否有足够的钱偿还房贷后,您才能够从公积金户头里提取所需的款项。这就是说,您必须考虑在公积金的最低存款额的同时,还需要考虑还有多少额外的钱偿还房贷。

So, in order to calculate how much you would need to actually have inside your CPF to have enough to pay for housing loans, and still be able to meet the withdrawal needs, you would also need to factor in how much extra you need to pay for the housing loans, on top of the CPF and Medisave Minimum Sums.

正如我在之前所说的,今天,假设一对夫妇要‘购买’一套屋价30万元的组屋,他们总共需要支付约40万元,这笔款项包括了房子的抵押贷款。假设房子抵押贷款是他们俩均分,那每个人就得承担通过公积金偿还20万元。

As I had written before, if a Singaporean couple “buys” a $300,000 flat today, they would have to spend about $400,000 in total, including for housing mortgage. If the housing mortgage is split equally, each person would need to pay $200,000 from their CPF.

因此,在公积金户头混合户头最低存款49万8千元的基础上,我们必须在自己的户头里增加多20万元,或者需要在户头里最少的存款是69万8千元,我们才有可能退休。

Thus on top of the $498,000 Combined Minimum Sums, a person should have an additional $200,000, or be able to save at least a total of $698,000 to be able to retire in Singapore!

Slide3

示图说明:

蓝色:房贷:20万元;

橙色;保健储蓄:13万3千5百元;

绿色:公积金最低存款:36万5千元。

新加坡人的公积金户头每年必须赚取6%的利率回报才有可能达到最低存款的 要求

Singaporeans Need to Earn 6% on Our CPF to Be Able to Meet the Minimum Amount

因此,在这样的情况下,今天一个25岁的新加坡人,他的公积金的户头需要赚取多少利息后,才有可能确保能够达到最低存款69万8千元的后才有可能退休。

So, if this is the case, for a 25-year old Singaporean today, how much interest should we be able to earn on our CPF to ensure that we are able to meet the minimum amount of $698,000 to be able to retire?

我们以每月赚取1200元的收入者为例子。我们确保他们的常年加薪率是4%。他们的公积金户头每年也能够获得6%的利息,以便他们能够达到69万8千元的要求。

If we look at a low-income earner who earns $1,200 today, assuming that his/her salary increases by 4% every year, he/she would need to earn an interest of 6% on the CPF every year in order for he/she to be able to meet this minimum amount of $698,000!

Slide4

示图说明:

黄色:每月薪金:1200元;

褐色:每年 加薪:4%;

粉红色:每年公积金户头可以赚取6%利息;

绿色:公积金户头存款总额是60万8千元.

这个例子是建立在这个人的薪金每年都保证获得4% 的加薪和他不会失业的情况下的设想。实事求是的说,这是不大可能的事。当一个低薪工人的年龄达到40岁时,他的薪金也就开始下调了。这就是说,他的收入是负增长。

But this is if a person continues to see a 4% increase in salary every year and never loses his/her job. However, we know that this is quite impossible, since for a low-income worker, after he/she reaches the age of 40, his/her wage then starts to decline, which means that there is negative wage growth!

photo 4 (16)

示图:人力部2011年各行各业薪金调查报表:关于年龄介于25岁到29岁之间的各行业的收入比例。

正如这个图表所示。您可以想象一个低薪收入的工人,他们的公积金户头需要赚取更高的利息才有可能达到69万9千元的储蓄。他们的公积金户头需要赚取的利息可能需要7%-8%或更高的利息才有可能达到这个存款总额。

As such, you can imagine that for a low-income worker, he/she would need to earn a much higher CPF interest rate to be able to save $698,000! He/she might even need to earn 7% or 8% at the very least!

今天,根据政府提出‘渐进式起薪的模式’从每月1千元起步的话,那就是说,在40岁开始面对降薪的低收入的新加坡人的公积金户头将需要赚取7%到8%利息。

Today, the starting wages on the government’s Progressive Wage Model starts at $1,000, which means that a low-income Singaporean who faces wage-decline from age 40 would need to earn at least a 7% or 8% on our CPF!

但是,现在我们的公积金户头赚取的利息是多少?新加坡人的公积金户头赚取的利息税2.5%——4%和第一个6万元的1%额外利息。根据梁志轩先生说,新加坡人的公积金户头平均赚取的利息约为3%。这与需要赚取7%-8%的利息才可能退休的目标距离太远了。

But how much is the CPF interest rates now? Singaporeans are only earning 2.5% to 4% on our CPF, and an additional 1% on the first $60,000. According to Leong Sze Hian, Singaporeans earn an average of about 3% on our CPF. This is far lower than the 7% or 8% necessary for a low-income Singaporean to be able to save enough to retire on!

Slide5

示图说明:

黑体字:新加坡人的公积金户头目前赚取的利息:

普通户头:2.5%;

保健储蓄户头(SMA):4%

红体字:新加坡人真正需要赚取的公积金户头利息7%——8%

新加坡人必须每月收入2千元才有可能达到最低存款3%利息的要求?

Singaporeans Should Earn $2,000 to Be Able to Meet the Minimum Amount on the Current 3% CPF Interest?

但是, 根据目前公积金局支付公积金会员户头平均3%的利息计算,那么,新加坡人每月的薪金应该是多少才有可能在公积金户头里储蓄足够69万8千元。

But based on the current CPF interest rate of an average of 3%, how much salary would a person need to earn in order to save a minimum of $698,000 inside the CPF?

假设您以最理想的方案:就是每年加薪4%计算,那么,他的薪金必须最少1893元或者1900元!

If you look at the optimal scenario of a 4% wage increase every year, a person would need to earn at least $1,893, or at about $1,900!

Slide6

示图说明:

绿色:公积金户头里存款69万8千元

粉红色:目前公积金支付的利息3%

紫色:每年加薪4%

黄色:每月需要收入1990元

今天,近20%的新加坡人的薪金少于1900元!——这就是说:最少30%的新加坡人是没有足够的储蓄过退休生活。

Today, nearly 20% of Singaporeans don’t even earn $1,900 – which means that at least 30% of Singaporeans will not be able to save enough to retire!

而且这是最佳的设想方案:在不失业的情况下,每年加薪4%。但是,这是非常不可能的事。

But again, this is assuming the perfect scenario of a wage increase of 4% every year, without job losses, but this is very unlikely.

新加坡人每月收入必须最少是2500元——3000元才有可能退休。50% 的新加坡是不可能退休的。

Singaporeans Might Need to Earn As Much As $2,500 or $3,000 to Be Able to Retire in Singapore! 50% of Singaporeans Might Not Be Able to Retire.

好了。咱们把工资和失业的因素考虑在内,那么,新加坡人每月的收入最少需要2500元——3000元才有可能退休。

So, if we do factor in wage and job losses, a person might need to earn as much as $2,500 or even $3,000 to be able to save enough to retire!

假设每月最低工资是需要2500元,这就意味着:40%的新加坡人是不可能退休的。

If the minimum needed is $2,500, this would mean that 40% of Singaporeans today will never be able to save enough to retire.

假设新加坡人每月的收入需要3000元,这就意味着:今天50%的新加坡人没有足够的储蓄而无法退休的。

And if Singaporeans need to earn a minimum of $3,000, then 50% of Singaporeans today will never be able to save enough to retire!

现在,假设再把其他因素考虑进去,诸如有人决定出售他们的房子再买另一个或两个单位的房子,那就意味着更加多的新加坡人是无法退休的!或许,现在我们可以明白为什么90%的新加坡人是无法达到混合最低存款的要求和无法退休的原因了。

Now, if you include other factors, such as if someone decides to sell his/her apartment to buy another one for at least once or twice, then this means that even more Singaporeans wouldn’t be able to save enough to retire! Perhaps now we can understand why as many as 90% of Singaporeans cannot meet the Combined Minimum Sums today and cannot retire!

现在,2500元——3000元的收入不是一个新加坡人必须赚取的牵强性的薪金数额。假设我们看到一些今天和新加坡一样高的生活费国家,如东京,他们的人民需要最低的工资是2000元、澳大利亚工资是3000元,挪威低收入的工人薪金是5000元。

Now, $2,500 and $3,000 isn’t a far-fetched amount that Singaporeans should earn. If we look at countries which have a similar cost of living to Singapore today, Tokyo has a minimum wage of $2,000, Australia has a minimum wage of $3,000 and low-income workers in Norway earn $5,000.

因此。事实上,我们新加坡人是被新加坡政府欺骗了!——工人每月赚取的薪金1000元是最低的!30%的新加坡人每月赚取的薪金是少过2000元。

So, in fact, it is Singaporeans who are being shortchanged by our government, where the starting pay for workers is as low as $1,000 today, and 30% of Singaporeans earn lesser than $2,000!

Slide7

示图说明:相同生活费的国家最低薪金比较:

新加坡:1000元

日本:2000元

澳大利亚:3000元

挪威:5000元

政府必须把GIC赚取的6%回报归还给新加坡人

The Singapore Government Has to Return the 6% Earned at GIC Back to Singaporeans

不管在任何情况下,假设我们是依据最理想的方案设想新加坡人的公积金每年是赚取6%利息。那么。正如前面所说的,低收入的工人的薪金每年加薪的幅度是4%,公积金支付的利息是6%,同时继续工作30年。那么,他们的公积金户头里将有可能储蓄69万8千元。

In any case, if we follow the optimal scenario, is it a pipe dream for Singaporeans to earn a CPF interest rate of 6%? Remember, earlier we said that for a low-income worker who sees a wage growth of 4% every year and stays on the job for 30 years, he/she would be able to meet the minimum amount of $698,000 at a 6% interest rate of the CPF.

但是,事实上公积金的户头并没有获得6% 的利息。

But actually, 6% should be what Singaporeans should be getting on our CPF today (but which we are not getting).

现在已经揭露了我们的公积金是投资在GIC。尽管政府无数次的否认(李光耀在2001年和2006年和黄永宏在2007年都否认这个事实!),最终政府在今年6月份承认了这个事实。我们现在知道:GIC的成长壮大是靠我们的公积金。这就说明了:GIC就是相似于我们的公积金。

It has now been exposed that our CPF is invested in the GIC. After numerous denials by the government (by Lee Kuan Yew in 2001 and 2006 and by Ng Eng Hen in 2007), the government finally admits the truth that our CPF is invested in the GIC in June this year. We now know too that our CPF makes up the bulk of the GIC’s assets, which means that the GIC is in fact akin to our CPF.

Screenshot (45)

示图说明:李资政:GIC没有使用公积金。(海峡时报)

在1999年,Mukul Asher 教授批评公积金的利率时说:‘这是没有经济基本原理的每年支付固定的利率给储蓄期基本上是35年(即35年工作时间)或更长的户头。’

In 1999, Prof Mukul Asher had criticised the CPF interest rates by saying that, “there is “no economic rationale” to pay a one-year fixed deposit rate on what is essentially a 35-year or more (the duration of one’s working life) savings plan”.

确实,因此从1981年GIC成立至今已经33年了。GIC支付的利息是多少?这样,新加坡人民就可以知道我们的公积金实际上赚取多少利息。

Indeed, it is thus important to know what is the GIC’s interest rates since its inception in 1981, so that Singaporeans will be able to know how much our CPF should actually be earning. It has been 33 years now.

无论如何,政府拒绝回答这个问题。

However, the government has refused to reveal this information.

尽管政府拒绝回答这个问题,我们还是可以通过其他过去已经能够揭露的信息去推算这个问题的答案。在2006年,当时的资政和GIC主席李光耀披露,GIC的常年回报率是‘从GIC成立直到2006年为止的25年,以新币为货币单位计算,GIC的回报率是8.2%’

Even so, we are able to triangulate this information from some of the information that has been revealed in the past. In 2006, then-Minister Mentor and the Chairman of GIC revealed that the GIC’s annual returns averaged “8.2 percent in Singapore dollar (SGD) terms in the 25 years ended March 2006″ since its inception.

副总理兼财政部长善达曼也披露说,‘在过去的5年里(从2014年),(GIC) 以新币为货币单位计算是0.5%。在过去10年里(GIC)是赚取了以新币为货币单位计算的回报率是5%。在过去20年里,以新币为货币单位 计算的回报率是5%。’

Deputy Prime Minister and Finance Minister Tharman had also revealed that, “Over the last 5 years (from 2014), (GIC) earned 0.5% in SGD terms, over the last 10 years it earned 5% in SGD terms, over the last 20 years it earned 5% in SGD terms.”

GIC在其报告里披露;‘到2014年3月份,与过去年代相比,GIC的20年投资组合的年实际回报率是4.1%,在过去20年里,美金为单位的投资组合累计的常年投资回报率是6.5%,’

GIC also reported that, “The GIC Portfolio’s 20-year annualised real rate of return for the year ended 31 March 2014 was 4.1%, compared to 4.0% for the previous year. In USD nominal terms, the GIC Portfolio generated an annualised return of 6.5% over the same 20 years.”

从上述的信息大约估算,GIC从头成立至今可能赚取的投资回报是6%到6.5%。

So roughly, the GIC might have earned about 6% to 6.5% in interest since inception.

假设这个估算是正确的,那么,新加坡人民的公积金户头应该赚取的利息是6%—到6.5%。

If so, 6% to 6.5% should be what Singaporeans should be earning on our CPF.

Slide8

示图说明:

浅绿色:GIC动用我们的公积金去投资赚取的利息6%。

深绿色: 新加坡人民的公积金应该获得的利息是6%

政府必须调高我们的公积金存款利率最少是6%或者指定最低薪金每月2千元。

The Government Should Increase CPF Interest Rates to At Least 6% and/or Set a Minimum Wage of $2,000

因此,对于低收入者的一个最佳方案是:给予6%的利息的可行性是极高的。

Thus for a low-income earner in an optimal scenario, a 6% CPF interest rate is highly viable.

当然,为了确保全体新加坡人民都能够有条件退休,同时也必须把其他问题考虑在内,诸如实施最低薪金制和保障新加坡的工作前景。

But of course, to ensure that all Singaporeans are able to adequately retire, this would also mean putting other measures in place, such as by implementing a minimum wage and by securing the job prospects of Singaporeans.

因此,本文章提出建议:为了确保30年的最低存款额和偿还(第一套住房)购屋的房贷,我们可以设定新加坡人的公积金的利息必须是6%

So, for the purpose of this article, what we can establish is that Singaporeans should earn a 6% on our CPF in order to be able to meet the Combined Minimum Sums 30 years down the road, and spending for the housing loans (for one flat).

假设政府不愿意调高公积金的利率,那么,政府就必须实施每月2千元的最低薪金制(如上述所说的。)或者把这两者结合在一起。请记住,假设这是一个最佳的方案。否则,工资和公积金的利率将会调得更高,或者其他的政策必须同时实施。

And if the government does not want to increase the CPF interest rates, then it would need to implement a minimum wage of possibly at least $2,000 (as had been shown above), or do a combination of both. And remember, this is if there is an optimal scenario. Otherwise, wages and CPF interest rates would need to be even higher, or other measures would need to be implemented as well.

Slide9

示图说明:为了在30年公积金 的混合户头可以达到最低存款要求:

黄色:新加坡人民的公积金户头的利率必须是6%

蓝色:新加坡人民每月的最低薪金是2千元

显然的,目前新加坡人民的工资和公积金户头的利率是完全无法让新加坡继续储蓄达到最低存款额的。对于一个已经能够成长为世界上生活费最高的国家而言,30%的新加坡人每月收入少过2千元而言,这是一个极其令人感到难堪和亏待新加坡人民的事。

Evidently, the current wages that Singaporeans are being paid and CPF interest rates are severely inadequate to allow Singaporeans to save on. To have 30% of Singaporeans earn less than $2,000 is honestly quite embarrassing and a mistreatment of Singaporeans, for a country that has grown to become the most expensive place to live in, in the world.

这是政府需要一些正直的态度。政府给自己支付了世界上最高的薪金,但是,他们却希望新加坡人民是生存在一个世界上发达国家中最低薪金的人民,以这样的一个水平来算,新加坡人民的贫穷率是高达20%(如果以每月收入1500元计算)或30%(如果以每月收入是3000元计算)

The government needs some integrity here. It is absolute nonsense for the government to pay themselves the highest salaries in the world, but expect Singaporeans to survive on one of the lowest wages among the developed countries. And depending on which wage level you use, Singaporeans could have a poverty rate of as high as 20% ($1,500) or 30% ($2,000).

对新加坡人民而言来说,情况是极其不利的。

Things are looking pretty bad for Singaporeans.

新加坡人民在过去15-20年期间遭受新加坡政府的欺凌

Singaporeans Have Been Bullied by the Singapore Government for the Past 15 to 20 Years

在过去15年,新加坡人民被迫接受政府支付的公积金利率2.5%到4%之间,这或者是世界上最低的利率。

It has been 15 years since Singaporeans were forced to accept low CPF interest rates of between 2.5% to 4% – or the lowest interest rates in the world.

今天,尽管我们的公积金储蓄是占国家储蓄的37%,但是,新加坡人也是世界上没有足够的退休金退休的国家。

Today, Singaporeans also have one of the least adequate retirement funds in the world, even though we contribute the highest proportion of our wages – 37% – into CPF.

Slide27

示图说明:世界各国的社会安全贡献率,新加坡是最高:37%

请您想想看,假设90%的新加坡人民根本没有足够的退休金而无法退休的原因,是因为我们的公积金户头无法达到最低存款额,那么,这里面是不是有问题?

If 90% of Singaporeans are simply not able to retire adequately because we cannot meet the CPF Minimum Sum, then something is very wrong here, don’t you think?

但是,政府从1999年至今的15年里我们的公积金的利率还是停滞在2.5%到4%之间。政府也拒绝制定最低工资制。他们现在只是开始进行所谓的1千元薪金的‘渐进式的工资模式。’

Yet, the government would hang on to the unchanged CPF interest rates of 2.5% to 4% for the past 15 years (since 1999) and refuses to implement a minimum wage, but would only institute starting wages of a minute $1,000 under their Progressive Wage Model.

然而,在1990年中,政府把公积金的最低存款额大幅度的提高。政府事实上知道新加坡人民的公积金户头里根本就没有足够的最低存款额和新加坡人民根本就无法达到最低存款额的要求!与此同时,对于新加坡人民要求提高薪金的诉求政府却极其勉强。

Yet, since the mid-1990s, the government would increase the CPF Minimum Sum to such a huge extent, knowing full well that Singaporeans simply do not have enough inside our CPF and will not have enough, to meet the CPF Minimum Sum! At the same time, wages for low-income Singaporeans have hardly increased at all!

为什么政府在提高公积金户头最低存款额的同时,却对新加坡人的薪金和公积金始终滞留不动和给予公积金低利率?

Why would the government increase the CPF Minimum Sum while forcing Singaporeans wages and CPF to remain stagnant, on low CPF interest rates?

为什么政府要这样做?请大家自己去想想?但是,重要的问题是:为什么政府违背了对新加坡人民的承诺责任?

Why the government would do this is anyone’s guess, but the main question to ask – why did the government reneged on its responsibility to Singaporeans?

因此,最少在过去的15——20年里(或者更长的时间——请注意:保健储蓄户头是在1984年设立的、公积金最低存款额是在1987 设立的。因此,距离现在可以说是30年了。),新加坡人民向政府发出了信号:公积金制度已经失败了。但是,政府至今尚未采取任何确实让人们信服的行动去增加公积金户头里的退休金。反过来,政府却强制人民从自己的工资里扣除更多的钱到公积金的户头里、降低公积金户头的利率和强迫新加坡人民做更长的工作时间。

So for at least the past 15 to 20 years (or more – note the Medisave was created in 1984 and the CPF Minimum Sum in 1987, so maybe 30 years now?), Singaporeans have been signalling to the government that our CPF is broken, yet the government has not taken any credible action to increase our retirement funds. In its place, the government instead forced Singaporeans to pay more from our wages into CPF, reduce CPF interest rates and force Singaporeans to work longer.

政府提出的计划是政府不需承担任何损失,而是让新加坡人民遭受痛苦的解决方案。这是不对劲的事。

Something is not quite right with the government’s planning when coming out with a solution requires Singaporeans to suffer, without any losses on the government’s part.

新加坡政府单方面牺牲新加坡人民利益的行为必须停止。目前新加坡政府已经让新加坡人民的安全面临威胁。

The uni-lateral victimisation of Singaporeans by the government has to stop. The security of Singaporeans is right now under threat by the current government.

第三场《归还我们的公积金》集会

3rd Edition Of The #ReturnOurCPF Event

我们将于2014年8月23日举行第三场《归还我们的公积金》集会。

On 23 August, there will be a third edition of the #ReturnOurCPF event.

请和我们站在共同的立场参加第三场集会。政府不可以拿了新加坡人民的公积金去投资后,告诉新加坡人民他们不知道是在动用我们的公积金,这是一个羞辱新加坡人民和光天化日下的抢劫。

Join us at the third edition and take a stand. The government cannot take Singaporeans’ CPF to use and tell us that they do not know what they are using it for. This is a derision to Singaporeans and daylight robbery!

让我们大家于8月23日在芳林公园见面。为了我们未来的美好生活、为了我们的孩子们,让我们走到一块,团结起来发出要求改变的共同的声音!

On 23 August, we will see you at Hong Lim Park. Let’s come together, be united and speak for change, for the better for our lives, and our children’s.

请您到如下的网页了解有关2014年8月23日举行的《归还我们的公积金》集会的详情。

You can join the Facebook event page here.

同时, 我的诽谤案件将于2014年9月18日遭受10点整在法院进行全天的庭审。

Also, my first court case will be held on 18 September 2014, at 10.00am. It will be a full-day hearing.

Return Our CPF 3 Poster Part 2 chinese

Return Our CPF 3 Poster Part 2

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53 comments

  1. Chris

    Roy is like a ‘friend’, a ‘buddy’. Who will ask me to use my money and spend as I like, when I like. First he will ask me to go to ATM to withdraw my money. Then he will tell me to buy new toys like cars, go holidays, etc. And when I’m broke, he’ll tell me to take from my dad (becos my dad is rich, why not just use his money).
    In other words, he is my devil/temptations. Who only knows how to ask me to take and spend my money. At the end of the day, Roy has no responsibility or liabilities if I finish my money.
    Sucks, right?

    • Cotizen of PAP

      Are you sure you are talking about Roy?
      It sounds more like you are talking about PAP and how the CPF is being used for investments.

    • Xmen

      Hmm… the PAP supporters seem to be following Roy’s blog closely.

      Chris, you are like a father that keeps his son’s wages. When the son asks to buy a bed, you ask him to sleep on the bamboo sleeping mat on the floor . When he wants to get an electric fan, you give him a paper fan. You so look after his welfare that he leads a thrifty life. You keep all his incomes and promise to return it to him (with interest!) when he retires. You tell him that it is all for his own good. You son naively believes you and patiently awaiting the day that he will be living like his other friends who have been sleeping in memory foam beds in air-conditioned rooms. When the day your son retires, you not only keep half of his interest (for the family’s rainy day!) and you still want to father him. So your son end up sleeping on his bamboo mat with a paper fan until he dies.

      At the end of the day, your son lives poor and dies rich. Is that what you want for your son?

      • Chris

        Wrong, I’m the father who will never help my children in so many ways as our govt. I believe he needs to help himself. I will only provide education and character building. The rest is up to him.
        If my son is stupid, then just too bad for him.
        If my son is smart, I will let him fly to the highest mountains without stopping him.
        And my son will need to repay me for bringing him up…
        Just too bad our govt dun think entirely like me… Our govt help too much. Now, some ppl out there r beginning to bite the hand that feeds it. But these some ppl still not satisfied. If only things r as simple as my family.

      • Xmen

        @Chris,

        I totally agree with you. The government should not be stealing money from people’s retirement funds.

        This government keeps diverting people’s funds into so called “Reserves”. When will it stop taking money from the people? Yes, this government will need to repay the people for the money it has been taking away from them…

        Just too bad the govt dun think entirely like you…. It takes too much. Now, some ppl out there r demanding their money back. But this govt is still not satisfied. If only things r as simple as your family!

        LOL.

    • PLS RETURN OUR CPF

      YES, Prime Lee,
      You have no union, no welfare , no care our unemployed children.
      SO ! we want our CPF back, CPF is our welfare when you let our child lost job !

      MR. PRIME MINISTER LEE,WE WANT RICE !!!!!

      PLS RETURN OUR CPF !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

      • The Oracle

        Saying “please return our CPF” will not get you back your money.
        Money follows the smart & the brave.
        Are you smart enough to vote wisely?
        Are you brave enough to vote wisely?
        Just as I thought.
        You will be voting PAP again in GE 2016.
        And I will have to entertain your pleas for welfare money at the Meet-The-People session again.

  2. Lamo

    Everybody has the own FREEWILL to choose on how to spend the money without any guilt from any dictatorial authority to withhold / dictate the way you are going to spend on your money.

    • Haha

      You’re right. You have a free choice too to lead your life. If you don’t think this wonderful country is the right country for you to live, the door is open wide for you to go and choose any country which does not lock your money. Simple.

      • Xmen

        @Haha,

        Yes, Lamo and many others are free to replace the parliament in the next GE. Then the door is wide open for you to move out of the country if you choose so.

  3. Adams

    The society we are in is an inverted pyramid. This is what Lee Kuan Yew wants, you see the top triangle belongs to foreign talents, the bottom side triangles belong to foreign cheap labour. This cheap labour are suppose to be the base of the pyramid of society. They are not wanted. Lee Kuan Yew only wants the top foreign talents who are adviced to become Singapore citizen. in fact more foreigner despised him, all knows he is Tyrant

    We are in an unstable pyramid society.

    If Lee Kuan Yew does not butter the Americans, if the American investments withdraw from here, Likewise the Japanese investments, he is a naught.

    He sits on GIC. Lee Hsien Loong is in finance ministry. Lee Hsien Loong’s wife is in Temasek.Lee Hsien Yang is in airline. His wife owns Lee and Lee plus many other investments. His family is one of the richest in the Wrold. By massing money is he great ? Daxue calls this person base people, CPF is the key resources.

    we agreed Roy’s article . thank you very much .

  4. Lee family too greedy

    The interest from CPF is very low. But the government uses the CPF fund for investment and the return is much higher.If CPF uses our money to invest, our return will be higher. Is this righteous ?

    Instead their ministers got huge income. Obviously they are liars , they are too greedy.

  5. 摘自EastAsia

    新加坡现行的CPF制度,是在1955年建立的,目的是让新加坡人为养老提前储蓄。也就是说,每个月存在CPF里的钱要占到该员工月收入的36%左右,月积年累,这将会是一笔数额不菲的钱财,而且在法理上完全属于该员工自己,而不是像在一些福利国家一样,是属于政府补贴的福利。

    新加坡政府成立了公积金局,对所缴纳的资金进行全国统一管理和使用。简而言之,这笔钱政府用来进行各种投资,给会员支付一定的利息,也允许会员在特定情况下使用和支出CPF存款。经过演变之后,如今会员的CPF分为3个账户。一是普通账户,其存款可用来购房、购买CPF保险,也可用于投资和子女教育。二是特别账户,用于养老需要及购买养老相关的金融产品。三是保健账户,用于支付医疗费用。政府坐拥CPF巨款用于投资建设,会对会员支付一定利息,根据最新规定,对普通账户资金支付2.5%的利息,对特别和保健账户支付4%的利息。
     
    这种无需政府负担甚至能给政府带来大量财务利益的社会保障制度,如今渐显疲态,颇受诟病。这种制度设计的理念、演变和今日碰到的问题,可以给包括中国在内的国家提供某种启迪。

    ——-摘自EastAsia
    作者:王江雨
    新加坡国立大学法学院副教授

  6. Wheels

    (法新社華盛頓十日電)一位白宮資深官員今天坦承,當他聽到新加坡總理的年薪水 (170万美元)是美國總統的五倍之多時,實在大感震驚。

    李顯龍堅稱,天價薪水是為了留住人才而考量,不過新加坡升斗小民大表不滿,不認可他是人才。 認為新加坡1/5的人薪水不到總理的1%,沒想到李顯龍長達10年獲取天價薪水, 對國民毫無表現引發人民共憤,尤其是對突然失業者沒有工會保障制度, 只顧自己拿天價薪水,實在太沒天理。

    新加坡的國民生產毛額在亞洲僅次於日本,日本首相的年薪也不過35萬美金,也沒聽過這些國家的部長要求像新加坡這樣的天價薪水。

    • Haha

      You expect him to response? Wait long long ….. The same question had been asked but others on how much being used.

      He demands others to be transparent but he did not practice. What an example.

      He ignored all questions & feedback on his article.

      • to Haha

        note , Haha,
        Roy did not ask any of ” transparent ” from you or she , or any of individual
        that ” transparent ” we —— the people of Singapore , we want from the current ruler, Your hippie smile is very sick,

        He doesn’t need to give you feedback, When you are contrary to the values ​​of the people.

  7. THE SIXTEN

    according to Roy’s case, Singapore is a country ruled without law, How can no way to lodge complaints it? Government in the past 50 years, did not establish minimum basic welfare, Even never established the labor union to guarantee the safety of the workers, Obviously,This is a national organization entity crippled phenomenon, should be done the three steps before the dismissal of staff, For example: communication, observation, warning. You did nothing before you dismiss him, Prime Minister do not have the macro sense of governing the country, do feel very embarrassed if you continue to do this prime minister post.

    從Roy別解僱案列看, 新加坡是一個沒有法治的國家 ,怎麼會投訴無門呢 ? 政府過去50年, 沒有建立最低的基本福利,連保障工友生命安全的工會製度都沒有建立,顯然,這是一個國家組織實體殘缺的現象。解僱職員之前要做3步驟的,比如:溝通,觀察,警告。你們什麼都沒做就解僱了他,做總理的沒有宏觀常識治理國家,怎麼好意思再做下去呢 ?

  8. Haha

    According to Roy? Who care. You can channel your complain through your MP. Just follow the process. If your MP does not response go to opposition MP. Have you done that? Have they taken care your complain?

    • to Haha

      Roy can block anyone WHO he dislike !
      So, stone
      no one likes stone !
      if you still be stone,
      go back to your own blog,
      see how a few love stone !

  9. to Haha

    Haha,
    your MP only turn up in night time , people are tired , and it is long queue, we have to work in next morning , your MP play game very well.

    for Roy’s case, did your any MP can help him ?
    no,
    your MP fear of PM
    if MP help him,
    MP will lost MP,
    if MP lost MP
    MP will lost Money !

    that is our great system made people Down !

  10. PAP's MP has problem

    PAP的MP每次要我們獻花, 越來越多PAP的女MP,都沒結婚,那裡懂我們,她們見到總理或者拍電視, 每個都拼命的挤眉弄眼, 献媚的笑, 就是見我們,她們沒有笑, 她們有貼身警衛, 我們 每次在拜託, 如果有製度,按制度走, 都不用安排个体求情這種程序嘛。

  11. xxx5;6,6(6(

    serial complainer.. congrats!! Roy has officially become NMP of complaining.. voted by everyone and their dogs.. for every word of complaint, please donate $1 to Roy.. he will then have one Billion every month.. the NMP of the people.. nominated by people.. for COMPLAINing only.. 24 hours .. full time job :))

    • Serial Complainer = Lee Kuan Yew & PAP

      Seriously.
      How many books about the same old tired ideology is the old fart going to write?
      Always complaining about Singaporeans and how useless we are.
      Despite Singaporeans giving LKY & his PAP landslide victories year after year.
      I’ve never see a more ungrateful leader and political party in the history of democracy.

  12. slaveholders ?

    Lee Kuan Yew seem did not know Singaporeans appealed his son must to step down’s event , He wanted their families are Singaporeans slaveholders ?

    • Chris

      LKY knows many real Singaporeans support his son. Only a few who r complaining over and over again. Out of these few ppl, most r nameless in the virtual world becos they r fake….

      • Koh

        Chris,
        we people want a new prime minister,we people want LKY’s son go back home to be LKY’s son,
        we fed up him for long, pls go back home and step down, if you hope that Roy’s support are fake,
        you may do a survey publicly ,it will fully satisfy your imagination.

  13. 他是活着的希特勒

    只要读一下新加坡的历史就知道了, 当初与李光耀肩并肩的战友都被他暗地里勾结英军,全部被抓入监狱干掉了, 今天在电视上看到他的脸,我忍不住对这个擅长在背后开暗枪的长寿老人大喊一声,希特勒 !

      • @Chris

        HELLO, Chris, the Bastard! is your father — Lee Kuan Yew !
        李光耀才是一个畜生 ! 请看下面他杀害第一批死者的名单:

        傅树介在新加坡出生,他的外公陈嘉庚是著名的百万富翁慈善家及革命家。二战期间,陈嘉庚担任全国救亡筹赈总会主席。该组织积极推动抗日运动。他也因此成为日本特务的主要目标。因此,在新加坡即将沦陷之前,他家人离开新加坡到印度去。于是傅树介和他的兄弟姐妹们在那4年战争期间居住在印度,并在孟买的天主教中学求学。

        日本投降后不久,全家搬回新加坡。傅树介接着就读于莱佛士书院。在1950年,他进入马来亚大学医学院。在中学和大学医学院都与他同窗的同学,就是林福寿和陈成发。他在医学院认识了Rajakumar。他们两人从此成为好朋友。

        在1961年,他与林福寿医生一起辞去政府部门服务,和其他政治和工会领袖组织社会主义阵线(社阵)。他被获选为该党助理秘书长。他与林福寿医生一起设立人民药房。

        1963李光耀勾结英国人,为铲除对手 , 李光耀杀气腾腾, 先把我们几个干掉。 把120人抓进监狱。他于1972年底被释放。但后来在1975年6月又再度被 李光耀杀害。

      • @Chris

        要看李光耀是一个畜生的证据吗 ! 请看下面他杀害第2批死者的名单:

        何标受英文教育,但他的英文、中文和马来文都很好。他出身于穷苦人家。父亲是一名海员。求学时,为了帮补母亲,他还替人补习来赚取一点钱。当他毕业于莱佛士书院等候大学学期开始期间,他又到海员工会工作。结果,被李光耀逮捕,何标是一个非常勇敢的人。在我们监狱举行的抗议行动中,他发出的谴责李光耀法西斯匪徒李光耀的喊叫声,响彻整个监狱。后来他被害死了。

        关于谢太宝

        谢太宝谢太宝是一个非常友善、沉默寡言、非常好学和用功的人。是南洋大学杰出的理科毕业生。毕业后,就在南大任教 并成功当选为国会议员。他是一位优秀的演说家,跟群众的关系非常融洽。这居然成为他被李光耀拘留长达32年之久。李光耀4把他关押起来,直至搞到他身心衰歇死亡为止。[ http://bbs.tiexue.net/ ]

      • @Chris

        请问Chris,
        难道这个曾经是杀人狂的证据是这批死者们吃饱了,为了早早死掉,捏造出来的吗 ?难道王鼎昌总统没有被这个虐待狂虐待而早死吗 ?一直到今天, 你们还在实行并享受虐待人民的过程。

        这批人,都没有杀人放火,李光耀为什么要杀害他们。就是因为他们提了一个问题吗 ? 提问题的人要被杀,难道全世界的人都要被突然背后一刀杀光光 ?

        我们将继续寻找被他害死的, 或者害到残废, 害到,家破人亡的名单.

      • @Chris

        要看李光耀是不是杀人狂的证据吗 ! 请看下面他杀害第3批死者的名单:

        档案记录, 李光耀借刀杀人,先把同行干掉。

        关于曾福华

        曾福华出身于柔佛(应是彭亨)一个富裕的橡胶园主家庭,因为这样,他的家人有能力送他进新加坡华侨中学住校读书。在求学期间,他成了学生运动的一名活跃分子。李光耀逮捕了他,严刑拷打他。折磨他,一直到打断他的骨头为止。

        有一天李光耀派人再次殴打他,他再也无法忍受,于是从坐着的凳子上站了起来,然后抓起凳子一只脚,准备朝第一个殴打他的人猛击下去。他已经有意去死。他在呼叫我。他说,他感到非常疼痛。我实在爱莫能助。那天晚上,我无法入眠,他也一样。我可以听到他因痛苦发出的呻吟声。

        第二天当狱卒来把过道和我们的囚室的门一打开,我立即冲到他的囚室。囚室里漆黑一团。在我们的囚室并没有照明灯。光线是从过道里的微弱灯光照射进来的。在昏暗的亮光下,我用手触摸他的腹部。使我大为吃惊的是,他的腹部有一个又大又硬的肿块。这意味着他得了非常严重的晚期癌症。我站起身,可能是我的神色过于严肃吧。他说:“树介,我并不怕死。”

        经过数天后,福华死了。福华是一个对死毫不畏惧,一个有理想的人,充分意识到自己对社会、对人类负有的责任。
        [ http://bbs.tiexue.net/ ]

  14. Lee Kuan Yew is sadist!

    No,
    世界上品格最不正,手段最毒辣的人还不是希特勒,
    是华人里面的李光耀 --- 简直就是一个魔鬼 !

    读完第二遍,觉得他是一个虐待狂 !
    再回来看看他的脸,确认他是一个完美的吸血僵尸,

    我恨不得冲上去,把他掐死 .
    我每天都在驱赶这条僵尸, 给被他害死的人上一柱香。

    the world’s most evil character person, the most sinister person, it is not Hitler.
    he is a Chinese — Lee Kuan Yew ——He is simply a devil!

    I read the second times, felt that he was a sadist!

    And then come back to see his face, acknowledged that he was a perfect vampire,

    I can not wait to rush to strangle him.
    I have been driving away this zombie,
    light up a stick of incense to the person he killed

  15. landragon123

    For Good sake, Please do not blame Lee Kuan Yew for this problems we are having with his sick son the PM. LKY was sacked by his son and is now only an MP and he showed himself to remind us, not to worry as for the next 20 years we will still be well off. It is worries that made many sick because it is always money problems. Now the CPF, how you have is your blessing for my father and his father before him never have to worry about it. What you have is your destiny and not your abilities. Many people work hard to get rich and dreams to be RICH. Now RICH is just a word, for when you have a MILLION you think you are rich? Your neighbor may have Five hundred and he is rich if he think that is enough. A billionair is not rich as he still feel it is not enough. Greed people never have enough and are never rich whereas live and let’s live people are always RICH for everyday when you have food to eat, cloth to wear and a roof over your head. Healthy and Happy all day and everyday, that is the RICHEST man on EARTH.

  16. Jim

    Roy, can you complete your whole solution to RETURN OUR CPF.
    Waiting anxiously for like next edition – Invest your CPF
    1) Now, we only earn 3 % instead of 6%. Therefore, we want our CPF back.
    2) Assuming that we have our CPF back, where should we invest so that we can earn more than 3 % guaranteed.
    Do your guru Uncle Leong uncover a solution as he uncover a big secret like the minimum sum must include medisave min sum?
    If you can propose a solution, then nobody can accuse you of only know how to complain and talking bull story. Fighting.

    • landragon123

      How much you have is not important except those who are worriers as they the worrying type. With CPF you gets a roof over your head and that is 1C, Everyone have money in their pockets and that is the 2nd C. Many have an ATM cards and that is the 3rd C. You are born with 2 CARS for you to walk and ran and the is the 4th C. The next C can be your job as taxis driver with Comfort get is to be Comfort with the nonsence there impose on their Drivers. Your home where you have a good wife to comfort you after a hard day’s work and COMFORT as the 5th will be the best. Richard Benson wrote, the understanding of your wife will be the greatest comfort any man can have. Now I AM inventing the 6th for your, Crying yourself to sleep and that will be your 6 C always worrying to get all the C’s

  17. I Support Roy

    For goodness sake, why are there so many leeches keep latching on to Roy’s blog. It is his blog, and he has the right to write anything he wants. To those complainers who have nothing better to do, please go and set up your own blog.

    • Interesting

      Hmm … That’s interesting, thanks for sharing. Never see this before. Somewhat pretty clear of answers of what Roy keep asking.

  18. Deaf Frog's Toothpick

    some of the pro-government folks here are trying to play a version of what George Orwell calls “thought police”, that is they self righteously appoint themselves to “police” the thoughts and ideas of others.

    1. to maintain credibility, they portray themselves as a political neutral, which is a lie that quickly falls apart, because no neutral person will commit so much emotion and time to defend the government against Roy.

    now don’t get me wrong, there is no problem with being pro-government, just don’t pretend that u r not.

    2. they like to encourage themselves by saying Roy only appeals to a small group of ppl that cannot be be convinced otherwise.

    if that is true, they self contradict because since this group cannot be convinced otherwise and they believe Roy is not able to appeal to those that does not belong to this supposedly small group, then who are the pro-government folks trying to peddle their “correct” ideas to? ghosts?

    Audience A – cannot be convinced

    Audience B – does not need to be convinced

    Speaker: even though there is no target audience, i continue to preach.

    Ghosts: we like it, we are the target audience, please give us more.

    3. it only means that they do not have a very high opinion of the intellectual abilities of the casual reader on this blog.

    • Raymond

      I think it depends on how you bucket the audience too and the extent of how pro-govt they are.
      I see generally four buckets of people.
      (1) The government can do no wrong. All policies are fantastic with no improvements required. We want 100% PAP in Parliament.
      (2) The government is generally correct in the direction that it is going. But improvements can be made . We want them more oppositions to ‘help’ them make better policies. We want >50% PAP but we want more opposition in the Parliament.
      (3) The government is corrupt. We need opposition to take over the government. Ideally, 0% PAP and 100% opposition.
      (4) Whatever. We dont really care.

      I’m guessing the following:
      (1) They are the group that probably don’t read Roy’s blogs. They read main stream media and follow the MPs/Minister’s postings on facebook and take those postings as grospels. Of course, there’s probably a group of so-called PAP IB that surf alternative media and defend PAP at all costs.
      (2) This is the group that looks out for alternative media. They may or may not agree with the views posed in alternative media. They defend policies that are reasonable and slam those that are not. “Oracle” probably falls in this category.
      (3) This is the group that ‘like’ or support postings as long as it’s anti-government regardless how nonsensical or illogical it can be.
      (4) Whatever.

      So i’m guessing that in Roy’s blog, we are seeing a clash between group 2 and 3.

      • Kan

        Talk a bunch of nonsense ! You simply can not be compared with the standard of Roy !
        We love Roy , and come to her support him, you ! get out !

      • Deaf Frog's Toothpick

        @ Raymond

        The Oracle is a fair weathered PAP fan and a self appointed thought-police, predictably, The Oracle is not effective if he/she operates alone, there has to be support from other anonymous commentators helping him/her maintain the credibility.

        just like any cult, there has to be someone banging the drums and blowing the trumpet behind the main man, working as a team.

  19. Teo

    reply Chris and PAP,

    LKY knows many Singaporeans support each other, especially support the son of a hawker, can you do a survey on newspaper publicly, The premise is that you do not reuse threats, intimidation, murder Means, You must make sure the premise of the people’s safety, Not be allowed to play any Means, Conducted a poll .

    Let the investigation speak, in fact, you have seen all the voice here or online from all corners
    the people may evaluate Prime Minister Lee is a better or bad

  20. 新加坡人不甘愿继续被他们害到死

    古代的人没有钱,所以李光耀干掉对手的方法就是杀害他们, 现在李光耀成长了, 他向对手要钱,而且忘记对手是一个失业的人,他狮子大开口,要很多钱, 这样我们有机会看清他已经变成一个绑匪的性格。他行为都不像一个领袖, 所以我们新加坡人不甘愿继续被他们害到死。

  21. Reply Chris @ 15 August 12.15pm

    DPM Tharman: “I’ll start with Roy Ngerng’s points. First, a few factual matters; you asked some factual questions. Did Temasek manage the CPF funds in the past? No. It has never managed CPF funds. Temasek started off with a set of assets which were transferred by the Government at time of inception. I don’t have the exact figure in my head – but about $400 million dollars worth of assets in the form of a set of companies. It has never received CPF monies to invest.”
    http://www.channelnewsasia.com/mobile/singapore/strength-of-govt-s/1277344.html

    And how did the PAP government manage to build up “$400 million dollars worth of assets in the form of a set of companies” to transfer to Temasek?
    – where did this money come from?
    – If CPF money was used to build up this $400 million dollars worth of set of companies …. then Temasek was indeed managing CPF funds when Temasek received the transfer of $400 million worth of assets

  22. teoenming

    Singapore Minister Mentor Lee Kuan Yew and Prime Minister Lee Hsien Loong Want Teo En Ming Dead

    Singapore Minister Mentor Lee Kuan Yew and Prime Minister Lee Hsien Loong want Teo En Ming dead. Lee Kuan Yew and Lee Hsien Loong want Teo En Ming to die young. I am only 36 years old. I do not want to die young. I want to live to a hundred years old and beyond!!! I want to live to a hundred years old and beyond!!! I want to live to a hundred years old and beyond!!! I want to live to a hundred years old and beyond!!! I want to live to a hundred years old and beyond!!!

    In fact, I want to live forever!!!
    In fact, I want to live forever!!!
    In fact, I want to live forever!!!
    In fact, I want to live forever!!!
    In fact, I want to live forever!!!

    Teo En Ming has filed an official complaint against the Singapore Government at the United Nations Human Rights Council Branch and the International Criminal Court. Read the letter here:

    ***********************************************************************************
    ***********************************************************************************
    ***********************************************************************************
    ***********************************************************************************
    ***********************************************************************************
    ***********************************************************************************

    Teo En Ming’s Open Letter (Plea for Medical Help/Assistance) to World Leaders dated 27 Aug 2010. Read the letter here:

    http://lists.mcs.anl.gov/pipermail/mpich-discuss/2010-August/007811.html

    Mr. Teo En Ming (Zhang Enming)
    Singapore Citizen
    Republic of Singapore
    14 Jan 2015 Wednesday

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