Understand What are Self-Help Group (SHG) Funds? <p>The Self-Help Groups (SHGs) are set up to uplift the less privileged and low income households in the Chinese, Eurasian, Muslim and Indian communities respectively. </p><p>The SHGs Funds are as follow:</p><ol><li><p>Chinese Development Assistance Council (CDAC) Fund, administered by <a href="http://www.cdac.org.sg/" target="_blank">CDAC</a></p></li><li><p>Eurasian Community Fund (ECF), administered by the Eurasian Association <a href="http://www.eurasians.org.sg/" target="_blank">(EA)</a></p></li><li><p> <a href="http://www.muis.gov.sg/" target="_blank">Mosque Building and Mendaki Fund (MBMF)</a>, administered by Majlis Ugama Islam Singapura (MUIS)</p></li><li><p>Singapore Indian Development Association (SINDA) Fund, administered by <a href="http://www.sinda.org.sg/" target="_blank">SINDA</a></p></li></ol> 602 602

Understand What is Social Help and Assistance Raised by Employees (SHARE)? <p>SHARE is a monthly giving programme of Community Chest, the fund-raising and engagement arm of the National Council of Social Service. On behalf of Community Chest, the CPF Board collects employee’s donations to SHARE from employee’s wages made through the company payroll.</p><p>Donations by employees are voluntary and deducted from their wages. 100% of the donations are channelled directly to support critical social service programmes and goes towards:</p><ul><li>Building strong and resilient families </li><li>Caring for vulnerable seniors </li><li>Empowering children with special needs and youth-at-risk </li><li>Integrating adults with disabilities into society </li><li>Supporting persons with mental health issues </li></ul> 603 603

Evaluate Must I contribute to the Self-Help Group (SHG) Funds? <p>Employers are expected to deduct the Self-Help Group (SHG) contributions from their employees’ wages. Employees who do not wish to contribute can contact the respective SHGs for more information. </p><p>For the Chinese Development Assistance Council (CDAC) Fund, employees refer to Singapore Citizens and Permanent Residents, belonging to the Chinese community.</p><p>For the Singapore Indian Development Association (SINDA) Fund, employees refer to all working Indians in Singapore who are Singapore Citizens, Permanent Residents and Employment Pass holders and are of Indian descent (including Bangladeshis, Bengalis, Parsees, Sikhs, Sinhalese, Telegus, Pakistanis, Sri Lankans, Goanese, Malayalees, Punjabis, Tamils, Gujaratis, Sindhis and all people originating from the Indian sub-continent).</p><p>For the Mosque Building and Mendaki Fund (MBMF), employees refer to all working Muslims in Singapore who are Singapore Citizens, Permanent Residents and foreign employees either on an Employment Pass or a Work Permit.</p><p>For the Eurasian Community Fund (ECF), employees refer to Singapore Citizens and Permanent Residents, belonging to the Eurasian* community.</p><p> <span style="font-size:0.9em;">* Refers to a person defined as "Eurasian" in their identity card, or a person of both European and Asian ancestry</span></p> 769 684

Evaluate What are the Chinese Development Assistance Council (CDAC) contribution rates? <p>The contribution rates for CDAC are as follows:</p> <table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2"><td class="ms-rteTable-default" style="width:50%;text-align:center;"> <strong>Monthly Total Wages*</strong></td><td class="ms-rteTable-default" style="width:50%;text-align:center;"> <strong>Monthly Contribution</strong></td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;"> <span style="text-decoration:underline;"><</span> $2,000</td><td class="ms-rteTable-default">$0.50</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $2,000 to $3,500</td><td class="ms-rteTable-default" style="text-align:center;">$1.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $3,500 to $5,000</td><td class="ms-rteTable-default" style="text-align:center;">$1.50</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $5,000 to $7,500</td><td class="ms-rteTable-default" style="text-align:center;">$2.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $7,500</td><td class="ms-rteTable-default" style="text-align:center;">$3.00</td></tr></tbody></table> <br> <p> <span style="font-size:0.9em;">* Total wages refer to all remuneration in money due or granted to an employee in respect of his employment, including overtime pay, allowances (e.g. food, shift or transport allowances), commission and bonus.</span></p> 604 604

Evaluate What are the Eurasian Community Fund (ECF) contribution rates? <p>The contribution rates for ECF are as follows:</p> <table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2"><td class="ms-rteTable-default" style="width:50%;height:31px;text-align:center;"> <strong>Monthly Total Wages*</strong></td><td class="ms-rteTable-default" style="width:50%;height:31px;"><p style="text-align:center;"> <strong>Monthly Contribution </strong></p></td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;"> <span style="text-decoration:underline;"><</span> $1,000</td><td class="ms-rteTable-default">$2.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $1,000 to $1,500</td><td class="ms-rteTable-default">$4.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $1,500 to $2,500</td><td class="ms-rteTable-default">$6.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $2,500 to $4,000</td><td class="ms-rteTable-default">$9.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $4,000 to $7,000</td><td class="ms-rteTable-default">$12.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $7,000 to $10,000</td><td class="ms-rteTable-default">$16.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $10,000</td><td class="ms-rteTable-default">$20.00</td></tr></tbody></table><p> <br> <span style="font-size:0.9em;">* Total wages refer to all remuneration in money due or granted to an employee in respect of his employment, including overtime pay, allowances (e.g. food, shift or transport allowances), commission and bonus.</span></p> 606 606

Evaluate What are the Mosque Building and Mendaki Fund (MBMF) contribution rates? <p>The contribution rates for MBMF are as follows:</p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2" style="text-align:center;"><td class="ms-rteTable-default" style="width:50%;"> <strong>Monthly Total Wages* </strong></td><td class="ms-rteTable-default" style="width:50%;"><p> <strong>​Monthly Contribution</strong></p> <strong> </strong></td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;"> <span style="text-decoration:underline;"><</span> $1,000​</td><td class="ms-rteTable-default">$3.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $1,000 to $2,000</td><td class="ms-rteTable-default">$4.50</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $2,000 to $3,000</td><td class="ms-rteTable-default">$6.50</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $3,000 to $4,000 </td><td class="ms-rteTable-default">$15.00</td></tr><tr style="text-align:center;"><td class="ms-rteTable-default" style="text-align:left;">> $4,000 to $6,000 </td><td class="ms-rteTable-default">$19.50​</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $6,000 to $8,000​</td><td class="ms-rteTable-default" style="text-align:center;">$22.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $8,000 to $10,000​</td><td class="ms-rteTable-default" style="text-align:center;">$24.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $10,000​</td><td class="ms-rteTable-default" style="text-align:center;">$26.00</td></tr></tbody></table><p> <br> <span style="font-size:0.9em;">* Total wages refer to all remuneration in money due or granted to an employee in respect of his employment, including overtime pay, allowances (e.g. food, shift or transport allowances), commission and bonus.</span><br></p><p>The M​BMF comprises three components:</p><ul><li><p>The Mosque Building component is used to build new mosques, upgrade and redevelop current mosques.</p></li></ul><ul><li><p>The Mendaki component is used to develop educational and social programmes to strengthen and uplift Malay/Muslim families.</p></li><li><p>The Religious Education component is used to support current and future religious education needs of the Muslim community.</p></li></ul> 605 605

Evaluate What are the Singapore Indian Development Association (SINDA) contribution rates? <p>The contribution rates for SINDA are as follows:</p><table width="100%" class="ms-rteTable-default" cellspacing="0" style="text-align:center;"><tbody><tr bgcolor="#d2d2d2"><td class="ms-rteTable-default" style="width:50%;"> <strong>Monthly Total Wages*</strong></td><td class="ms-rteTable-default" style="width:50%;"><p> <strong>Monthly Contribution</strong></p></td></tr><tr><td class="ms-rteTable-default" style="text-align:left;"> <span style="text-decoration:underline;"><</span> $1,000</td><td class="ms-rteTable-default">$1.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $1,000 to $1,500</td><td class="ms-rteTable-default">$3.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $1,500 to $2,500</td><td class="ms-rteTable-default">$5.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $2,500 to $4,500</td><td class="ms-rteTable-default">$7.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $4,500 to $7,500</td><td class="ms-rteTable-default">$9.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $7,500 to $10,000</td><td class="ms-rteTable-default">$12.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $10,000 to $15,000</td><td class="ms-rteTable-default">$18.00</td></tr><tr><td class="ms-rteTable-default" style="text-align:left;">> $15,000</td><td class="ms-rteTable-default">$30.00</td></tr></tbody></table><p> <br> <span style="font-size:0.9em;">* Total wages refer to all remuneration in money due or granted to an employee in respect of his employment, including overtime pay, allowances (e.g. food, shift or transport allowances), commission and bonus.</span></p> 607 607

Evaluate Can my employees contribute a different amount to the Self-Help Group (SHGs) Funds? <p>If your employee wishes to contribute a different amount, the employee has to obtain the relevant form from the applicable Self-Help Groups (SHGs).</p> 608 608

Apply How do I pay my employees’ contributions to the Self-Help Group (SHG) Funds and SHARE donations? <p>Employers are expected to deduct the contributions from their employees' wages. This is similar to the approach on how they would deduct the employee's share of CPF contributions.</p><p>Thereafter, employers can pay the contributions to Self-Help Group (SHG) Funds and SHARE donations, together with CPF contributions to CPF Board.</p> 609 609