深入了解公积金的重新结构,现在将分为三个不同的账户:

第一账户 – 退休账户:稳固的75%存入此处,严格用于您的退休日。在那之前是无法动用的 – 您认为这会使规划更容易吗?

第二账户 – 安康账户:包含15%,可用于重大生活事件,如购房、保险和教育。您认为获取这些资金将对您的重大生活决策有多大影响?

第三账户 – 灵活账户:剩余的10%可能是最有趣的。它被设计为应急基金。考虑到它的灵活性,我们应该仅将其视为安全网,还是可以有更多战略性的用途?

在网络研讨会期间,我们深入探讨:

– 这些最近公积金变动的利弊。
– 保留或提取第三账户公积金的关键考虑因素。
– 一个关键讨论:我们是否应该申请第三账户的初次账户转移?

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KCLau
KCLau

Financial educator, author and trainer

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