Skim Persaraan Kebangsaan

Gold Generation (Age 60 and Above)

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.

SPK Gold Generation Benefits

Members who are Citizens and Permanent Residents (Stateless) of Brunei Darussalam in the SPK Gold Generation can also enjoy the SPK Retirement Account benefits.



Annuity up to lifetime


Minimum Annuity of $250 for Members with Brunei Citizenship and Permanent Resident (Stateless)


Annuity Inflation Adjusted 

Dependant protected with Derivative Benefit

Things you need to know about SPK Gold Member Annuity


Members with SCP balance ABOVE $12,000.00


Those receiving SCP Annuity,

will be automatically increased to a minimum of $250 per month and paid for a lifetime.


Those That Have Not Withdrawn SCP at 60 Years Old,

SCP Annuity that has not been withdrawn from age 60 until SPK is implemented will go to the SPK Member Account.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


SPK Annuity (monthly) will be a minimum of $250 per month and paid for a lifetime.

Members with SCP balance BELOW $12,000.00


Those Who Received SCP Lump Sum,

SPK Annuity (monthly) will be a minimum of $250 per month. Payout period is subject to Government Assistance amount.


Member has Top-Up payment options to receive a lifetime payout.




Those That Have Not Withdrawn SCP at 60 Years Old,

SCP balance that has not been withdrawn will go to the SPK Member Account.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.


SPK Annuity (monthly) will be a minimum of $250 per month. Payout period is subject to Government Assistance amount.


Member has Top-Up payment options to receive a lifetime payout.