Thursday, February 20, 2025

公积金: 220万名公积金会员获最高额外利率

220万名公积金会员获最高额外利率
https://www.zaobao.com.sg/realtime/singapore/story20250219-5899052

2025-02-19

李思邈
联合早报

过去10年,赚取最高公积金额外利率的人增加90万名,占所有会员的一半。

人力部长兼贸工部第二部长陈诗龙医生星期二(2月18日)在国会书面回复工人党盛港集选区议员蔡庆威询问时说,2015年到2024年之间,赚取最高公积金额外利率的会员从约130万人增加到220万人,整体占比从40%增至52%。

其中,公积金储蓄至少6万元的活跃会员也从2015年的约110万人增加至2024年的160万人。

公积金特别户头、保健储蓄户头,以及退休户头今年第一季的利率为4%。为提高公积金会员的退休储蓄,55岁以下会员的首6万元储蓄(最多2万元来自普通户头),可获得额外一个百分点的利率。55岁及以上会员首3万元储蓄(最多2万元来自普通户头)可获得额外两个百分点的利率,之后的3万元储蓄享有额外一个百分点的利率。

陈诗龙说,增长反映了人们的储蓄习惯逐步改善,越来越多的会员通过公积金积累储蓄,享受更高的利息收益。


延伸阅读

年长员工公积金缴交率明年再调高 政府与雇主分担一半增幅

黄总理:公积金是独一无二退休保障制度 政府雇主个人三方共建社会安全网


陈诗龙也书面回复蔡厝港集选区议员周凯年询问说,2024年过世的会员中,约80%已提名公积金受益人。

65岁及以上的健在公积金会员中,约86%已提名受益人,16岁到64岁会员中则只有36%已提名。没有提名受益人的会员中,大多数年龄低于44岁。

公积金会员通过提名,能够在过世后指定受益人领取公积金储蓄,以及所能够获得的款项比例。

会员可通过 SingPass 登录

www.cpf.gov.sg/makeCPFNom

提名,只需填妥受益人的姓名和身份证号码,还有两名见证人(witnesses)的姓名、身份证号码和联系方式。见证人会收到通知,在七天内也通过
Signpass 上网“见证”,确认提名人有意提名。

CPF: 2.2 Million CPF Members Receive the Highest Additional Interest Rate

2.2 Million CPF Members Receive the Highest Additional Interest Rate

https://www.zaobao.com.sg/realtime/singapore/story20250219-5899052
 
February 19, 2025
 
Li Simiao
Lianhe Zaobao 
 
Over the past 10 years, the number of people earning the highest additional interest rate on their Central Provident Fund (CPF) savings has increased by 900,000, accounting for half of all members.
 
Dr. Tan See Leng, Minister of Manpower and Second Minister for Trade and Industry, said in a written reply to a question from Workers' Party MP Chua Kheng Wee from Sengkang GRC in Parliament on Tuesday (February 18) that between 2015 and 2024, the number of members earning the highest additional interest rate on their CPF savings increased from about 1.3 million to 2.2 million, and the overall proportion rose from 40% to 52%.
 
Among them, the number of active members with at least S$60,000 in CPF savings also increased from about 1.1 million in 2015 to 1.6 million in 2024.
 
The interest rate for the CPF Special Account, Medisave Account, and Retirement Account in the first quarter of this year is 4%. To boost CPF members' retirement savings, members below 55 years old can receive an additional 1 percentage point of interest on their first S$60,000 in savings (with a maximum of S$20,000 from the Ordinary Account). Members aged 55 and above can receive an additional 2 percentage points of interest on their first S$30,000 in savings (with a maximum of S$20,000 from the Ordinary Account), and an additional 1 percentage point of interest on the next S$30,000 in savings.
 
Dr. Tan See Leng said that the growth reflects the gradual improvement of people's savings habits, and more and more members are accumulating savings through the CPF and enjoying higher interest earnings.
 
====
 
Dr. Tan See Leng also replied in writing to a question from MP Chew Kai Nian from Chua Chu Kang GRC, saying that among the CPF members who passed away in 2024, about 80% had nominated CPF beneficiaries.
 
Among the living CPF members aged 65 and above, about 86% had nominated beneficiaries, while only 36% of members aged 16 to 64 had done so. Among the members who did not nominate beneficiaries, the majority were below 44 years old.
 
By nominating, CPF members can designate beneficiaries to receive their CPF savings and the proportion of the amount they can receive after their death.
 
Members can log in through SingPass at
 
www.cpf.gov.sg/makeCPFNom
 
to nominate. They only need to fill in the name and identity card number of the beneficiary, as well as the names, identity card numbers, and contact information of two witnesses. The witnesses will receive a notification and need to "witness" online through Signpass within seven days to confirm that the nominator intends to make the nomination.

Why did Microsoft admit that AI is making us stupid?

Why did Microsoft admit that AI is making us stupid? 
https://www.straitstimes.com/opinion/why-did-microsoft-admit-that-ai-is-making-us-dumb

2025-02-18

Parmy Olson 

Microsoft plans to spend US$80 billion (S$107.4 billion) on artificial intelligence (AI) in 2025, reinforcing its position as a leading vendor. So why did it recently publish a research paper showing an erosion of critical thinking skills among workers using generative AI tools such as ChatGPT? If we were being generous, we could say it was genuine scientific inquiry. More likely, it wants to keep ahead of the curve as AI disrupts certain jobs, and ensure that its tools remain useful to businesses. At a time when Big Tech is racing to make AI models bigger, that’s a refreshingly thoughtful approach both to the industry’s business model and its social outcomes.

The study, carried out in conjunction with researchers at Carnegie Mellon University, surveyed 319 knowledge workers about how they used AI, including a teacher generating images for a presentation about hand-washing to her students using Dall-E 2 and a commodities’ trader generating strategies using ChatGPT.

The researchers found a striking pattern: The more participants trusted AI for certain tasks, the less they practised those skills themselves, such as writing, analysis and critical evaluations. As a result, they self-reported an atrophying of skills in those areas. Several respondents said they started to doubt their abilities to perform tasks such as verifying grammar in text or composing legal letters, which led them to automatically accept whatever generative AI gave them.

And they were even less likely to practise their skills when there was time pressure. “In sales, I must reach a certain quota daily or risk losing my job,” one anonymised study participant said. “Ergo, I use AI to save time and don’t have much room to ponder over the result.”

A similar recent study by Anthropic, which looked at how people were using its AI model Claude, found that the top skill exhibited by the chatbot in conversations was “critical thinking”.

This paints the picture of a future where professional workers ultimately become managers of AI’s output, rather than the originators of new ideas and content, particularly as AI models get better. OpenAI’s latest “Deep Research” model, which costs US$200 a month, can conduct research across the internet, scouring images, PDFs and text, to produce detailed reports with citations.

One result is that cognitive work is going to transform, and quickly, according to a Feb 12 note to investors from Deutsche Bank. “Humans will be rewarded for asking their AI agent the right questions, in the right way, and then using their judgment to assess and iterate on the answers,” research analyst Adrian Cox writes. “Much of the rest of the cognitive process will be offloaded.”

As frightening as that sounds, consider that Socrates once worried that writing would lead to the erosion of memory, that calculators were once expected to kill our mathematical skills and that Global Positioning System navigation would leave us hopelessly lost without our phones. That last one might be somewhat true, but by and large humans have managed to find other uses for their brains when they outsource their thinking, even if our maths and navigating skills become lazier.

What’s different with AI is that it encroaches on a much broader part of our everyday cognition. We’re put in positions to think critically far more often than we are to calculate sums or chart routes – whether crafting a sensitive e-mail or deciding what to flag to our boss in a report. That could leave us less able to do core professional work, or more vulnerable to propaganda. And it leads back to the question of why Microsoft – which makes money from sales of OpenAI’s GPT models – published these findings.

There’s a clue in the report itself, where the authors note that they risk creating products “that do not address workers’ real needs” if they don’t know how knowledge workers use AI, and how their brains work when they do. If a sales manager’s thinking skills go downhill when they use Microsoft’s AI products, the quality of their work might decline too.

A fascinating finding in Microsoft’s study was that the more people were confident in the abilities of their AI tool, the less likely they were to double-check its output. Given that AI still has a tendency to hallucinate, that raises the risk of poor-quality work. What happens when employers start noticing a decline in performance? They might blame it on the worker – but they might also blame it on the AI, which would be bad for Microsoft.

Tech companies have loudly marketed AI as a tool that will “augment” our intelligence, not replace it, as this study seems to suggest. So the lesson for Microsoft is in how it aims future products, not in making them more powerful but in somehow designing them to enhance rather than erode human capabilities. Perhaps, for instance, ChatGPT and its ilk can prod its users to come up with their own original thoughts once in a while. If they don’t, businesses could end up with workforces that can do more with less, but also can’t spot when their newfound efficiency is sending them in the wrong directions. BLOOMBERG


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