怎么用medisave 才合理？

王者风范

Medisave Minimum Sum and Medisave Contribution Ceiling

From 1 July 2010,

a. The Medisave Minimum Sum (MMS) will be raised to $34,500 from $32,000. Members will be able to withdraw their Medisave savings in excess of the MMS at or after 55 years old. 就是说到55岁的时候medisave 的储蓄至少要达到＄34，500。 如果超额， 55岁以后超出的钱就可以拿出来。 如果55岁没有这么多的储蓄， 就要从普通户口和特别户口转过去，如果还不够，就要用到现金了。

b. The maximum balance a member may have in his Medisave Account, known as the Medisave Contribution Ceiling (MCC), is fixed at $5,000 above MMS and this would be increased correspondingly to $39,500, from $37,000. Medisave的储蓄最高顶限是 ＄5000 MMS 以上， 就是 ＄39，500。

As announced previously,any Medisave contribution in excess of the prevailing MCC will be transferred to the member’s Special Account if he is below age 55 or to his Retirement Account if he is above age 55 and has a MS shortfall.  如果超出 这个顶限， 多余的钱会转去特别户口， 如果小于55岁。

The revisions to MMS and MCC are to ensure that Singaporeans have sufficient savings to meet their hospitalisation expenses, and have been adjusted for inflation. 这个价钱是根据目前的经济状况和通货膨胀算出来的。  是每年重申一次。

1The draw down age for members who turn 55 from 1 July 2010 to 30 June 2011 is 65 years old.

Medisave 目前的利息是每年 4% 。  和特别户口一样。 所以说这个户口要合理的运用。  不然到时候吃亏的是自己。
http://mycpf.cpf.gov.sg/CPF/News/News-Release/N_14May2010.htm