Skim Persaraan Kebangsaan

Gold Generation (Umur 60 dan Ke Atas)

SPK Gold Basic

Learn more about the SPK Gold Generation who are Citizen and Permanent Resident (Stateless) Members automatically join the SPK scheme immediately at the implementation of Skim Persaraan Kebangsaan.

Manfaat SPK Gold Basic

Ahli SPK Gold Generation Penduduk Tetap Negara Brunei Darussalam (Warganegara Asing)akan menerima manfaat dari Akaun Persaraan SPK seperti berikut:



Receive annuity up to 20 years or until the balance is exhausted

Anuiti minimum $500 sebulan

Annuity payment based on the Total SCP balance before SPK conversion

Perkara yang awda perlu tahu sebagai Ahli SPK Gold Basic 


Members with SCP balance ABOVE $12,000.00 (before SPK conversion):


If the SCP has already been withdrawn and the Member is receiving an SCP annuity :

Member will receive an annuity of $500 per month until the retirement savings balance is exhausted.


If the SCP has not been withdrawn at age 60:

The backdated SCP Annuity amount from age 60 until June 2023 will be fully credited to the SPK Member Account and can be withdrawn in full. Withdrawal is subject to SPK Member Account terms and conditions.


The remaining balance after SPK launch (15th July 2023) will be credited to the SPK Retirement Account, from which the Member will receive a monthly annuity of $500.00 until retirement savings balance is exhausted.

Members with SCP balance BELOW $12,000.00 (before SPK conversion):


If the SCP was previously received as Lump sum:

The Member will no longer have a balance available in the Retirement Account, as the entire SCP balance was already withdrawn.

If the SCP has not been withdrawn at age 60:

The remaining balance will be credited to the SPK Member account and withdrawals will be subject to SPK Member account terms and conditions.