Any Ceiling for contribution of CPF OA?

**teddybear** · 13-02-17, 19:38

More bullshit again?

Don't need to circle round and round lah! Full of LIES!

Tell us, at Age 55 you deposit $161k into RA,
At Age 65 how much you have in CPF RA?
$251k right?
If not, please show what figure is that (if not $251k)!

After that, you can talk about all those bullshit that you now know, like "annuity premium", then end up with Bequest at Age 65 etc, doesn't matter, answer above question first........

But as usual, we will expect more LIES from you to avoid answering the question (like minority)...........

Originally Posted by Ilikeu

Nope. The RA is deducted.
The figures are already in the bequest 65.

**Ilikeu** · 13-02-17, 19:39

Where is the annuity premium deducted from then?

Originally Posted by teddybear

More bullshit again?

Don't need to circle round and round lah! Full of LIES!
Tell us, at Age 55 you deposit $161k into RA,
At Age 65 how much you have in CPF RA?
$251k right?
If not, please show what figure is that (if not $251k)!

After that, you can talk about all those bullshit that you now know, like "annuity premium", then end up with Bequest at Age 65 etc, doesn't matter, answer above question first........

But as usual, we will expect more LIES from you to avoid answering the question (like minority)...........

**teddybear** · 13-02-17, 19:40

Annuity premium?
Ho ho ho!
Good question!
Why need to pay "Annuity Premium"?
Like minority said, to buy insurance from another company or pay CPF management fees or what????
Why it is like STATE SECRET to CPF?

Originally Posted by Ilikeu

Where is the annuity premium deducted from then?

**Ilikeu** · 13-02-17, 19:41

Don't know the answer to my question?

Originally Posted by teddybear

Annuity premium?
Ho ho ho!
Good question!
Why need to pay "Annuity Premium"?
Like minority said, to buy insurance from company or pay CPF management fees or what????

**teddybear** · 13-02-17, 19:44

I don't know, because CPF treats it like STATE SECRET, how much they deduct, how often they deduct, no idea.
However, we know it is SIGNIFICANT!
No wonder once you join CPF Life at Age 65 and you die, your Bequest is much lower than the $251k that you paid into CPF Life!
No wonder if a MALE die at Age 82, your CPF Life's return is only = 0.12% (for Standard payout)!!!!!!!!!!!

Since you so knowledgeable, ask you, why need to pay "Annuity Premium"?
Who are these money paid to?
How much are these and how often are they deducted?
Until now, CPF has never provided details on these information........ like STATE SECRET?

Originally Posted by Ilikeu

Don't know the answer to my question?

**Ilikeu** · 13-02-17, 19:46

You dun know the answer to my question? I'm surprised.
I'm hope you are not ignorant, but just avoiding.

Originally Posted by teddybear

I don't know, because CPF treats it like STATE SECRET, how much they deduct, how often they deduct, no idea.
However, we know it is SIGNIFICANT!
No wonder once you join CPF Life at Age 65 and you die, your Bequest is much lower than the $251k that you paid into CPF Life!

Since you so knowledgeable, ask you, why need to pay "Annuity Premium"?
Who are these money paid to?
How much are these and how often are they deducted?
Until now, CPF has never provided details on these information........ like STATE SECRET?

**teddybear** · 13-02-17, 19:47

I am also surprise you can ask questions but cannot provide answers (after so much bullshit)!

Come on, I can only expect more LIES from you????

Originally Posted by Ilikeu

You dun know the answer to my question? I'm surprised.

**Ilikeu** · 13-02-17, 19:50

No need me to provide answers, u have all the imagination to derive all that you want from the cpf calculator.
I'm really hope you are not ignorant, but just avoiding my question.

Originally Posted by teddybear

I am also surprise you can ask questions but cannot provide answers (after so much bullshit)!

**teddybear** · 13-02-17, 19:57

I have provided all the answers, and I am confident that they are all correct because after so much bullshits from you, you have NEVER PROVIDED ANYTHING CONCRETE that shows my calculations is WRONG, only EMPTY TALKS like minority, and his PONZI 7.5% p.a. return from CPF Life! If his calculation can stand up to scrutiny, then CPF can also claim they pay 15.59% p.a. for your money in CPF Retirement Account! Ha ha ha! What a bunch of LIES!

Originally Posted by Ilikeu

No need me to provide answers, u have all the imagination to derive all that you want from the cpf calculator.
I'm really hope you are not ignorant, but just avoiding my question.

**Ilikeu** · 13-02-17, 19:58

You being confident and ignorant is fine to me... i have no issue with that.

Originally Posted by teddybear

I have provided all the answers, and I am confident that they are all correct because after so much bullshits from you, you have NEVER PROVIDED ANYTHING CONCRETE that shows my calculations is WRONG, only EMPTY TALKS like minority, and his PONZI 7.5% p.a. return from CPF Life! If his calculation can stand up to scrutiny, then CPF can also claim they pay 15.59% p.a. for your money in CPF Retirement Account! Ha ha ha! What a bunch of LIES!

**teddybear** · 13-02-17, 20:01

Until now, With all details available from CPF calculator and website, I had provided the FOLLOWING HARD-TRUTHS which NONE of you can dispute:

1) If you deposit $161k into Retirement Account at Age 55, CPF should pay you $251k at Age 65.

2) CPF Life's return if a Male can live till 82 years old = 0.12% (for "Standard" payout)!!!

Your kind of ruse, like minority, is pretty useless to people who have brains.

Originally Posted by Ilikeu

You being confident and ignorant is fine to me... i have no issue with that.

**Kelonguni** · 13-02-17, 20:05

Is there a forum called forums.cpf.com for you guys to thrash it out???

Anyway can we take it that from 55 to 65 years old the CPF earns ordinary interest rate of 2.5%? Higher than SSB already.

Then 161K becomes 206,674 at 65 years old.

Then applying Investopedia calculator, we have the annuity payout at 0.28% or 3.3% annually approximately plus the "insurance" bequest potential until 85 years old.

Not that bad lah.

**Ilikeu** · 13-02-17, 20:06

Other forummers can set up their own spreadsheet and use the figures from the cpf calculator to calculate the returns themselves at each age interval, and choose the preferred life plan for their needs.
Your kind of ruse is well known, an internet troll.

Originally Posted by teddybear

Until now, With all details available from CPF calculator and website, I had provided the FOLLOWING HARD-TRUTHS which NONE of you can dispute:

1) If you deposit $161k into Retirement Account at Age 55, CPF should pay you $251k at Age 65.

2) CPF Life's return if a Male can live till 82 years old = 0.12% (for "Standard" payout)!!!

Your kind of ruse, like minority, is pretty useless to people who have brains.

**Ilikeu** · 13-02-17, 20:07

He started the troll on me...

Originally Posted by Kelonguni

Is there a forum called forums.cpf.com for you guys to thrash it out???

Anyway can we take it that from 55 to 65 years old the CPF earns ordinary interest rate of 2.5%? Higher than SSB already.

Then 161K becomes 206,674 at 65 years old.

Then applying Investopedia calculator, we have the annuity payout at 0.38% or 3.3% annually approximately plus the "insurance" bequest potential until 85 years old.

Not that bad lah.

**Kelonguni** · 13-02-17, 20:10

Originally Posted by Ilikeu

He started the troll on me...

It's alright. He trolls everyone. Relax buddy.

It's easy to get him started. Just talk about CPF rates and FH versus LH, or CCR vs OCR, and the troll will appear.

Sometimes I very bored will also get him started as well. Just tickle his spots.

**Ilikeu** · 13-02-17, 20:12

I'm relaxed. It feels entertaining when feeding a troll...

Originally Posted by Kelonguni

It's alright. He trolls everyone. Relax buddy.

It's easy to get him started. Just talk about CPF rates and FH versus LH, or CCR vs OCR, and the troll will appear.

**teddybear** · 13-02-17, 20:51

Troll? Ha ha ha!
I started revealing HARD-TRUTHS about CPF Life....
Why you so unhappy about me telling HARD-TRUTHS and have to LIE to dispute what I said without being able to provide any FACT to backup your CLAIM???

It is obvious that you and minority are all out to LIES and BULLSHITs isn't it?

Originally Posted by Ilikeu

He started the troll on me...

**teddybear** · 13-02-17, 20:53

Obviously!
But None have provided anything that can dispute what I have revealed about CPF Life giving only 0.12% return if a MALE can live till 82 years old!

You also can, but you also unable to provide FACTS to counter my claim, only EMPTY TALK.............

Originally Posted by Ilikeu

Other forummers can set up their own spreadsheet and use the figures from the cpf calculator to calculate the returns themselves at each age interval, and choose the preferred life plan for their needs.
Your kind of ruse is well known, an internet troll.

**Ilikeu** · 13-02-17, 20:57

I won't get unhappy over you....that you can be sure.

Originally Posted by teddybear

Troll? Ha ha ha!
I started revealing HARD-TRUTHS about CPF Life....
Why you so unhappy about me telling HARD-TRUTHS and have to LIE to dispute what I said without being able to provide any FACT to backup your CLAIM???

It is obvious that you and minority are all out to LIES and BULLSHITs isn't it?

**teddybear** · 13-02-17, 20:58

You can't read???

I had already provided the below information in much earlier posts, ok I will provide again and don't ask stupid question from now onwards:

According the CPF announcement at this URL:
https://www.gov.sg/~/sgpcmedia/media...ber%202017.pdf
" CPF members aged 55 and above will also earn an additional 1% extra interest on the first $30,000 of their combined
balances (with up to $20,000 from the OA) from January 2016. This is paid over and above the current extra 1%
interest that is earned on the first $60,000 of their combined balances. As a result, CPF members aged 55 and above
will earn up to 6% interest per year on their retirement balances. "

To summarize the above: CPF states that it pays 6% for your first $30,000 in your Retirement Account (RA), and 5% for your next $30,000 in your RA, and 4% for the remaining amount!

If you deposit $161,000 into CPF Retirement Account at Age 55 years old, it is easy to show what you will get at Age 65 based on above promised interest rate that CPF will pay you! And that is S$251k!
The calculation is so SIMPLE that none except an IDIOT or someone trying to LIE will dispute about this $251k figure!

Originally Posted by Kelonguni

Is there a forum called forums.cpf.com for you guys to thrash it out???

Anyway can we take it that from 55 to 65 years old the CPF earns ordinary interest rate of 2.5%? Higher than SSB already.

Then 161K becomes 206,674 at 65 years old.

Then applying Investopedia calculator, we have the annuity payout at 0.28% or 3.3% annually approximately plus the "insurance" bequest potential until 85 years old.

Not that bad lah.

**Ilikeu** · 13-02-17, 20:58

Yes, none, except a troll, had disputed anything on the two articles (posted by minority).

Originally Posted by teddybear

Obviously!
But None have provided anything that can dispute what I have revealed about CPF Life giving only 0.12% return if a MALE can live till 82 years old!

You also can, but you also unable to provide FACTS to counter my claim, only EMPTY TALK.............

**teddybear** · 13-02-17, 20:59

I know, you and minority enjoying LYING over here and you already expect to be exposed, but these are fine to you.
Is it your job to LIE here???

Originally Posted by Ilikeu

I won't get unhappy over you....that you can be sure.

**Ilikeu** · 13-02-17, 21:01

Glad to know you are still blissfully ignorant.

Originally Posted by teddybear

I know, you and minority enjoying LYING over here and you already expect to be exposed, but these are fine to you.
Is it your job to LIE here???

**teddybear** · 13-02-17, 21:04

Looks like the TROLLS like minority and ilikeu are all out to flood this tread so that my important message gets lost among their BULLSHIT posts, so I will re-post again my summary:

With all details available from CPF calculator and website, we can calculate these FOLLOWING HARD-TRUTHS:

1) If you deposit $161k into Retirement Account at Age 55, CPF should pay you $251k at Age 65.

2) CPF Life's return if a Male can live till 82 years old = 0.12% (for "Standard" payout)!!!

The above are ROCK SOLID HARD-TRUTHS and none of them are able to provide FACTS to disprove what I found in above! Hip hip hooray!!!

**Ilikeu** · 13-02-17, 21:05

I'm happy for you... being confident and ignorant.

Originally Posted by teddybear

Looks like the TROLLS like minority and ilikeu are all out to flood this tread so that my important message gets lost among their BULLSHIT posts, so I will re-post again my summary:

With all details available from CPF calculator and website, we can calculate these FOLLOWING HARD-TRUTHS:

1) If you deposit $161k into Retirement Account at Age 55, CPF should pay you $251k at Age 65.

2) CPF Life's return if a Male can live till 82 years old = 0.12% (for "Standard" payout)!!!

The above are ROCK SOLID HARD-TRUTHS and none of them are able to provide FACTS to disprove what I found in above! Hip hip hooray!!!

**teddybear** · 13-02-17, 21:07

Glad that this time you didn't rubbish my
HARD-TRUTHS:

1) If you deposit $161k into Retirement Account at Age 55, CPF should pay you $251k at Age 65.

2) CPF Life's return if a Male can live till 82 years old = 0.12% (for "Standard" payout)!!!

Anyway, they are HARD-TRUTHS and no amount of BULLSHITs and LIES from minority and you will be able to shield these HARD-TRUTHS from being exposed!

Originally Posted by Ilikeu

I'm happy for you... being confident and ignorant.

**Ilikeu** · 13-02-17, 21:11

The two articles did the job to rubbish your statements.... no need me to repeat.

Originally Posted by teddybear

Glad that this time you didn't rubbish my
HARD-TRUTHS:

1) If you deposit $161k into Retirement Account at Age 55, CPF should pay you $251k at Age 65.

2) CPF Life's return if a Male can live till 82 years old = 0.12% (for "Standard" payout)!!!

Anyway, they are HARD-TRUTHS and no amount of BULLSHITs and LIES from minority and you will be able to shield these HARD-TRUTHS from being exposed!

**teddybear** · 13-02-17, 21:14

The 2 articles?
I had already clarified and pointed all their FALSEHOODS and LIES!

You can't read???
Even if you can't, it is fine to me, at least I know many would have understood my points, and that is the most important!

I would expect some LIARS and BULLSHITTERS here (like you and minority), they are BROWN-TONGUERS and they obviously will try to LIE and help to cover up these FACTS that I exposed! It is so obvious isn't it? Dispute what I mentioned but yet can't find FACTs to backup your claim........

Originally Posted by Ilikeu

The two articles did the job to rubbish your statements.... no need me to repeat.

**Ilikeu** · 13-02-17, 21:15

Have you written in to the writers/publishers to point out their lies?
Remember dun compare the cash on cash to your IRR.

Originally Posted by teddybear

The 2 articles?
I had already clarified and pointed all their FALSEHOODS and LIES!

You can't read???
Even if you can't, it is fine to me, at least I know many would have understood my points, and that is the most important!

I would expect some LIARS and BULLSHITTERS here (like you and minority), they are BROWN-TONGUERS and they obviously will try to LIE and help to cover up these FACTS that I exposed!

**teddybear** · 13-02-17, 21:18

You mean the "ALTERNATIVE FACT 6.3% CPF Guaranteed return" by Walker guy and the "PONZI 7.5% CPF return" claimed by minority?

You should remind them not to pull some rabbit out of the hat and try to trick us with their FAKED calculation methods of "RETURN" instead!

Originally Posted by Ilikeu

Have you written in to the writers/publishers to point out their lies?
Remember dun compare the cash on cash to your IRR.

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