Skim Persaraan Kebangsaan

Gold Generation (Age 60 and Above)

SPK Gold Basic

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

SPK Gold Basic Benefits

Members who are Permanent Residents of Brunei Darussalam (Foreign Nationality) in the SPK Gold Generation will receive the following benefits from the SPK Retirement Account.



Receive annuity up to 20 years or until exhausted

Minimum Annuity of $500 per month

Annuity based on Total SCP balance 

Things you need to know about SPK Gold Basic Member Annuity


Members with SCP balance ABOVE $12,000.00:


Those receiving SCP Annuity,

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


Those that have not withdrawn SCP at 60 years old,

SCP Annuity that has not been withdrawn from age 60 until SPK is implemented will go to the SPK Member Account. Withdrawal is subject to SPK Member Account terms and conditions.

Members with SCP balance BELOW $12,000.00:


Those received SCP Lump sum,

Member no longer has a balance available in the Retirement Account as the previous lump sum withdrawal from the SCP Account already exhausted the retirement savings.

Those that have not withdrawn SCP at 60 years old,

SCP balance that has not been withdrawn will go to the SPK Member Account. Withdrawal is subject to SPK Member Account terms and conditions.