（鄞义林7/6/2014在芳林公园‘要求归还我的公积金’集会上的讲话中文翻译稿）
在过去的两个星期对我而言，是一个具有挑战性和令人非常兴奋日子！因为人们终于围绕着公积金的问题进行讨论和辩论。我应该感激我的法律顾问拉维先生为我的案件进行辩护和在这段期间予以我的协助。
Over the past two weeks, it has been a challenging and hectic moment for me. It has also finally aroused much discussion and debate about the CPF issue. I would like to thank my legal counsel, M Ravi, for taking on this case and for providing me with the assistance over this period.
让我邀请拉维先生上台。
《今天新加坡正处于十字路口》
Singapore at a Crossroads Today
新加坡已经到了一个漫长的历史的国家了。今天我们已经来到了十字路口。我们的祖国是否能够继续成长的同时，我们的人民会被关心、保护和获得自由。
Singapore has come a long way in our country’s history. Today, we are at a crossroads. How can our country continue to grow while our people will be taken care of, protected and be free.
作为一个新加坡公民我们关心自己的国家。作为一个新加坡人，我们与这个国家有着厉害相关的关系！这是我们与生俱来的权利！我们有的责任发出呼声！我们的提出能够为我们的祖国、为我们自己的生活，也是为了我们的同胞更好的创造性的意见！
As citizens who care for our country, as Singaporeans who have a stake in our country, it is our birthright, and it is our responsibility to speak up, and voice out so that we can create solutions for our country and better not only our lives, but that of our fellowmen.
经过了50年了。新加坡或者已经成为世界第一级经济体的国家和拥有世界第一级的消费的国家。但是，新加坡是否拥有一个世界第一级的政府？新加坡人民是否拥有第一级世界的生活水平？今天，许多新加坡人还在为自己的生活在挣扎着！当新加坡已经成为世界上生活消费最昂贵的地方时，新加坡人是世界上高收入国家中赚取最低的薪金的国家。新加坡人挣扎着赚取收入，但是他们还是担忧无法应付开支。
After nearly 50 years, Singapore might have a First World economy and we have First World costs. But do we have a First World government? Do we have First World lives? Today, many Singaporeans struggle with our lives, earning the lowest wages among the high-income countries even as Singapore has become the most expensive place to live in the world. Singaporeans struggle to make ends meet and fear that we do not have enough to use.
这是不应该发生的事。这不应该是今天的新加坡！因为今天新加坡已经成为世界上最富裕的国家之一。我们国家的政治领袖们是世界上领取最高薪金的国家。这种政治领袖过着舒适的生活，而老百姓却为了每天的生计而挣扎的不协调的情况不应在新加坡发生！
But this shouldn’t happen. This shouldn’t be where Singapore is today, not when Singapore is now one of the richest countries in the world, where our politicians are the highest paid in the world. This disparity shouldn’t happen where our politicians are able to enjoy their lives while the common Singaporean struggle everyday for our own lives.
“如果你对待我们好，我们将会更加倍的回报你们”
“If Your Treat Us Well, We Will Treat You Even Better”
不！我们不是妒忌！我们不要太多因为我们是妒忌。新加坡人民的头脑是冷静的。假设我们能够信任你，我们新加坡人能够团结在一起并且与你一起共同面对各种艰苦的情况。
一个新加坡人告诉我，‘就新加坡人而言，只要你对待我们好，我们会更加倍的回报你’。我们有着正直的品质。我们信仰正义。我们信仰平等。
No, we are not envious. We do not want more because we are envious. Singaporeans are a cool-headed people. We are people who will stick together through thick and thin with you, if we know that we can trust you. A Singaporean told me, “For us Singaporeans, if you treat us well, we will treat you even better”. We have integrity. We believe in justice. We believe in fairness.
但是，一旦你背叛了我们的信任，我们将会不会退缩！我们不会屈服就范！
But when you betray our trust, we will not hold back and we will not take kindly to it.
一个政府是必须保护自己的人民的。一个政府必须首先把人民的利益放在第一位！他们必须制定许多照顾人民利益的政策！同时，他们必须确保人民会感觉到在这个国家是安全的。一个政府有责任虚心的听取人民的意见！政府与人民一道努力实现人民的要求。这就是作为一个政府必须做的事。
A government should protect its citizens. A government should put its citizens first and create policies to take care of its people and make sure that we can feel safe in our own country. A government has a responsibility, to listen to its people, to be humble and to work with its people to execute our demands. This is what a government should be doing.
当新加坡人民在谈论公积金的问题时，我们提出了我们关心的诉求时！这是政府的责任必须听取人民的声音！
When Singaporeans talk about the CPF, when we raise our concerns, it is the responsibility of the government to listen.
为什么新加坡人民必须将自己的房子卖掉？因为新加坡人民没有足够的能力过退休生活！
Why do Singaporeans have to sell our homes just because we do not have enough to retire on?
为什么新加坡必须将自己的房子卖掉？因为新加坡没有能够支付他们的医药费账单！
Why do Singaporeans have to sell our homes because we do not have enough to pay for our hospital bills?
为什么年长的新加坡人必须继续工作？因为他们的经济户头没有足够的退休金让他们退休！
Why do our elderly Singaporeans continue to have to work because our CPF is not good enough for us to retire on?
如果公积金不是完美的，那么，我们还可以继续相信政府能够管好我们的公积金吗？
If the CPF is not good enough, then can we still trust the government to take care of our CPF?
今天，我们的爷爷奶奶必须去当清洁人、散工性质的劳务工人和捡废纸皮箱的拾荒者，那是因为他们没有足够的钱过退休生活。20年前，他们收入是800元。今天他们的收入仍然是800元。我们的爷爷奶奶无法退休是不是因为他们工作不够勤劳？或者是他们没有获得足够与工作条件同等的薪金待遇？
Today, our grandmothers and grandfathers have to work as cleaners, odd-job labourers and cardboard collectors because they do not have enough to retire on. 20 years ago, they earned $800. Today, they still earn $800. If they cannot retire, is it because they did not work hard enough? Or were they not paid well enough?
上个星期，一位新加坡人告诉我，‘政府制造了要我去乞求他们的条件！但是，我也是有尊严的。我有我的自尊心！假设我一直乞求他们，但是，他们没法帮忙我。那么，为什么我还要一直乞求他们干嘛？’
Last week, a Singaporean told me, “The government makes me beg them to help me. But I also have my dignity. I also have my pride. If I keep begging and they still do not help me, why should I keep begging?”
我们的人民仍然穷困是不是因为他们不够勤劳的工作？
Do our poor remain poor because they do not work hard enough?
难道新加坡人相信，低薄的收入是因为自己的工作条件不够吗？或者，我们不够精巧？或者不够勤劳，所以必须继续穷困？
Is it right for our lower-income Singaporeans to believe that they should remain poor because they are not good enough? Or not smart enough? Or that they did not work hard enough?
不是！这是绝对不正确的！
No, it is not right.
我们的穷人和我们的年长工人在新加坡工作时间都是最长的！假设这样的长工作时间还不是勤劳工作！那是什么才是叫勤劳呢？
Our poor and our elderly workers work the longest hours in Singapore. If that is not hardworking, then what is?
我们新加坡人是勤劳的人民。为了自己的祖国、自己的家人、自己的孩子，为了让自己有一个更好的生活，我们新加坡人都会勤劳的工作。尽管我们是这么勤劳的工作，但是，我们看到的是：我们的勤劳工作却被人当成是理所当然的！这就让我们产生了了疑问：我们的政府是真心真意的关心和保护我们的利益吗？我们是否还要对一个不关心我们的利益、一个不保护我们的利益的政府表达自己对他们的忠诚吗？
Singaporeans are a hardworking people. We will work hard if we know that for the sake of our country, our family and our children, we will have better lives. We will do it. But when we work so hard but we realise that our hard work is being taken for granted, then how can we still have faith that our government has our interests at heart and will protect us?
今天很多新加坡人无法退休。今天新加坡人很勤劳的工作，但是，他们看不到自己在公积金的户头存款增加。今天，新加坡人顾虑自己在新加坡是否有安全感？
Today, many Singaporeans cannot retire. Today, Singaporeans work very hard but we cannot see our CPF grow. Today, we fear that we might never be able to feel safe in our own country.
新加坡人民要求一个透明化和值得信赖的公积金管理制度
Singaporeans Demand Transparency and Accountability On Our CPF
现在。我们已经知道一个事实：那就是政府拿我们在公积金户头的钱投资在新加坡政府的政联公司新加坡政府投资有限公司。政府拿我们在公积金户头的钱去赚取每年6.5%的利润，但是，政府每年支付给我们在公积金的户头的利息是每年2.5%到4%。这是世界上最低的利息。在1970年和1980年，新加坡人的公积金户头赚取的利息是6.5%。
It is now a known fact that the government takes our CPF to invest in the GIC, the government’s investment firm. The government takes our CPF to earn 6.5% but only gives back to us a low 2.5% to 4% interest on our CPF. This is the lowest interest rates in the world.
为什么政府要在1999年把我们在公积金的户头的利息降低到2.5%？
In the 1970s and 1980s, Singaporeans were earning a 6.5% interest on our CPF. Why did the government push it down to 2.5% in 1999?
新加坡人今天无法过退休生活，那是因为我们在公积金的户头的存款无法增加。我们的薪金没有提高，所以，我们就无法增加在公积金户头里的存款。但是，各种物价都在上涨。房价上涨和和公积金的最低存款额提高。为什么政府要提高公积金的最低存款额超过6%？因为他们知道，我们是无法在快速的时间内达到他们规定的最低存款额的要求！
Singaporeans cannot retire today because our CPF cannot grow. Our wages did not grow, so our CPF did not grow. But prices grew, housing prices grew and the CPF Minimum Sum grew. Why would the government increase the CPF Minimum Sum by more than 6%, knowing full well that our CPF will never be able to grow fast enough to meet the CPF Minimum Sum?
接下来的问题是：政府到底在我们的公积金户头干了什么？
Then, what is the government trying to do with our CPF?
新加坡人民要求新加坡政府投资有限公司的管理制度透明化
Singaporeans Demand Transparency from the GIC
在新加坡政府投资有限公司的网站上，他们以前说明事实：‘新加坡政府投资有限公司是负责管理新加坡政府的国家储备金的。但是为什么公积金会进入国家储备的笼子里？后来，公积金就成了金融管理局、或者是新加坡政府投资有限公司、或者是淡马锡控股管理了！对我们而言，这是含糊的！’
On the GIC’s website, they had previously said that, “GIC manages the Government’s reserves, but as to how the funds from CPF monies flow into reserves which could then be managed by either MAS, GIC or Temasek, this is not made explicit to us.”
他们同时也说，‘政府代表财政部与新加坡政府投资有限公司的往来关系。不论是直接或间接的干预新加坡政府投资有限公司的投资决定。新加坡政府承担了新加坡政府投资有限公司董事会全面的投资决策的责任。’
They had also said that, “The Government, which is represented by the Ministry of Finance in its dealings with GIC, neither directs nor interferes in the company’s investment decisions. It holds the board accountable for the overall portfolio performance.”
就在这样的说辞下，新加坡政府投资有限公司说，他们不知道新加坡政府投资有限公司是动用了我们的公积金的钱去进行投资！他们说，政府并没有干预新加坡政府投资有限公司的运作。
So, the GIC claimed that they do not know how they use our CPF to invest and they claimed that the government does not interfere in the GIC.
但是，当我查阅了新加坡政府投资的董事部成员名单时，董事会主席是新加坡总理李显龙。他们的董事是2位副总理，善达曼和张志贤、教育部长王瑞杰和贸工部长林勋强。新加坡政府投资有限公司的高级顾问是李光耀。
But when you look at the GIC’s Board of Directors, their Chairman is the Singapore Prime Minister Lee Hsien Loong. Their directors the two deputy prime ministers Tharman Shanmugaratnam and Teo Chee Hean, the Minister for Education Heng Swee Keat and the Minister for Trade & Industry Lim Hng Kiang. Their Senior Advisor is Lee Kuan Yew.
大家说，新加坡政府投资有限公司说，他们不知道是动用了我们的公积金？他们说，政府并没有干预新加坡政府投资有限公司的运作？
So, how can it be possible that the GIC does not know how they are using our CPF? How can it be possible that the government does not interfere in the GIC?
接下来，我们要提出的疑问的问题是：谁能告诉我们事实？是新加坡政府投资有限公司没有告诉我们实际的事实情况呢？还是，新加坡政府没有告诉我们实际的事实情况？
Then who is not telling Singaporeans the truth? Is the GIC not telling the truth? Or is the government not telling the truth?
在这个事实被揭穿后，新加坡政府投资有限公司更改了他们在自己网页上的说明。现在，他们说，‘新加坡政府投资有限公司是与金融管理局共同管理证券发行和新加坡政府为此做出的担保行为，那是因为公积金局董事部已经动用了公积金进行相关的投资。公积金的资金并没有直接转入新加坡政府投资有限公司户头由他们管理。其中的一个资金来源是进入了新加坡政府的资产，并由新加坡政府投资有限公司进行管理。这是从新加坡政府证券那儿发出的。’
After this fact has been exposed, the GIC changed what they write on their website. Now, it says, “GIC, along with MAS, manage the proceeds from the securities issued and guaranteed by the government (SSGS) which CPF board has invested in with the CPF monies. So while the CPF monies are not directly transferred to GIC for management, one of the sources of funds that goes into the Government’s assets managed by GIC is the proceeds from SSGS.”
新加坡政府投资有限公司说了什么？他们说，公积金局投资在新加坡政府的证券上是属于新加坡政府的资产，这个资产是由新加坡政府投资有限公司负责管理的，简单的说，我们的公积金是由新加坡政府投资有限公司进行管理
What the GIC is saying is that our CPF is invested in government securities which goes into the Government’s assets managed by the GIC. In short, our CPF is managed by the GIC.
长期以来， 我们并不知道公积金是投资在新加坡政府投资有限公司上。突然间，新加坡政府投资有限公司和新加坡政府才知道公积金是被用来投资在新加坡政府投资有限公司？
So, from not knowing how our CPF is being invested in the GIC, suddenly, the GIC and the government knows that how CPF is being invested in the GIC?
为什么新加坡政府投资有限公司要突然间改变他们的说法？同时承认他们知道他们是在利用公积金进行投资？为什么新加坡政府投资有限公司要进行这个转弯？为什么在事实被公开揭露后新加坡政府投资有限公司要改变自己先前的说法呢？
Why did the GIC suddenly change what they say and suddenly admit that they know how they are using our CPF? Why did the GIC make this about turn? Why did the GIC change what they say after this information became public?
那么，为什么新加坡政府投资有限公司在一开始告诉我们他们不知道是使用了我们的公积金，现在却说他们是使用了我们的公积金？
So, why did the GIC first tell us that they do not know how they our using our CPF, then suddenly tell us that they do?
在这样的时刻，新加坡总理、2位副总理和部长都是新加坡政府投资有限公司的董事部和我们的政府内阁。他们现在玩什么把戏？
All this while, the Singapore prime minister, the two deputy prime ministers and the ministers are on the board of directors on the GIC and are our government. Now, what game are they playing?
问题不仅仅是公积金基金由新加坡政府投资有限公司进行管理，同时，还得支付他们一笔‘管理费’？这笔管理费是不透明化的。我们不知道是多少？
Not only that, the fund managers at the GIC are also “paid a fee” to manage the funds. How much is this “fee”? There is no transparency as to how much this is.
目前新加坡的纳税人已经支付数百万元给这些部长们的薪金。那么，作为基金管理管理，我们的公积金又的支付给他们多少钱去管理这笔资金呢？
Now, the ministers are currently paid millions from our taxpayers money. How much more are they paid as fund managers from our CPF monies?
当新加坡人民无法取回自己在公积金户头的钱的情况下，却能支付给政府部长们数百万元的薪金！这到底合乎逻辑吗？
Does it make sense that the ministers are paid millions when Singaporeans are unable to take our CPF out?
我们要问的问题是：
What we should ask is this
新加坡总理是否应该成为新加坡政府投资有限公司的董事部成员？
– should the prime minister of Singapore be on the board of directors of the GIC?
新加坡的副总理和部长们是否应该成为新加坡政府投资有限公司的董事部成员？
Should the deputy prime ministers and the ministers be on the board of directors on the GIC?
这到底会产生利益上的冲突吗？
Is there a conflict of interest?
如果政府也是新加坡政府投资有限公司的股东，那谁来确保我们的公积金的投资安全？是谁提取了我们在公积金户头里额钱？
Who will protect our CPF money if the government is also the GIC, which wants to make money out of CPF?
新加坡政府投资有限公司并没有的报告说明他们如何使用我们的公积金？
The GIC does not publish full reports on how they use our funds.
我们是否知道总理、副总理和部长们在动用我们的公积金吗？他们如何使用我们的公积金？
Do we know what the prime minister, deputy prime minister and the ministers are using our funds for? Do we know how they are using it?
新加坡人民要求淡马锡控股给予一个透明和可信赖的管理制度
Singaporeans Demand Transparency and Accountability from Temasek Holdings
几天前，淡马锡控股写信告诉新加坡海峡时报说，‘淡马锡并没有使用公积金会员的户头的钱进行投资或管理投资公积金的资金’。
A few days ago, Temasek Holdings wrote to The Straits Times to say that, “Temasek does not invest or manage the savings of CPF members”.
当时，一本书名叫《国家发展：关联、人事或重组》（ Development States: Relevancy, Redundancy Or Reconfiguration）说了如下一段话：
‘从1970年末开始，公积金的储备金是公共部门的盈余。这笔资金已经成为淡马锡控股在国内的混合投资或是新加坡政府投资有限公司在国外的混合投资的资金。’
But in the book, Development States: Relevancy, Redundancy Or Reconfiguration, it was stated that “since the late 1970s, CPF’s reserves as part of public sector surplus have been co-mingled with other investments either domestically by Temasek Holding Ltd or abroad by the GIC”.
如果这是事实，那现在问题就来了。我们的公积金是已经投资在淡马锡控股了吗？
If so, does this mean that at one point in time, our CPF was invested in the Temasek Holdings?
如果这是事实，政府什么时候停止动用我们的公积金投资在淡马锡控股？去年？几年前？10 年前？政府是否可以公开这些情况给我们知道？
If so, when did the government stop investing our CPF in the Temasek Holdings? Last year? A few years ago? 10 years ago? Can the government be transparent with us?
淡马锡控股赚取了16%的利润。假设我们的公积金是投资在淡马锡控股，那么，我们要求拿回我们的利润！
Temasek Holdings earn a 16% interest. If our CPF was invested in the Temasek Holdings, then we should get our interest back.
新加坡人民要求淡马锡控股给予一个透明性和可信赖性的管理制度
Singaporeans Demand Transparency and Accountability from the Government
去年，我到几个政府的网站浏览。我找到了特别的证据证明我们的公积金是如何被动用来投资在新加坡政府投资有限公司和淡马锡控股的。我在几个政府网上收集到了资料数据。我可以追踪到‘公积金的钱是投资的债券上’；或者‘新加坡政府的特别证券’。这些后来就当成是‘投资在储备金’上！同时。这笔资金由‘三家代理公司进行管理——新加坡政府投资有限公司、淡马锡控股和新加坡金融管理局
Last year, I had also looked through several government websites and found specific evidence of how our CPF is invested in the GIC and the Temasek Holdings. From what I had gathered from several government websites, I was able to trace that our “CPF monies are invested in bonds” or “Special Singapore Government Securities”, which are then “invested in reserves”, and which are “managed by three agencies – the GIC, Temasek Holdings and the Monetary Authority of Singapore.”
无论如何，我在上个星期再去浏览这些网站时，政府已经删除或更改了一些在这些网站有关的说明。现在你再也无法看到公积金是被用来投资在新加坡政府投资有限公司和淡马锡控股。
However, last week, when I checked on these websites again, the government has removed or changed some of the information from their websites. Now, you can no longer tell that our CPF is being invested in the GIC and Temasek Holdings.
这2项被更换的主要证据是：
The two specific evidence that have been changed are these.
1. 政府已经删除了有关‘公积金是投资在储备金’的信息；
First, the government removed information that our CPF is invested “in reserves”.
2. 政府已经删除了有关有新加坡政府投资有限公司、淡马锡控股和新加坡金融管理局管理这笔储备金的信息。
Next, the government removed information that shows directly that the reserves are managed by the GIC, Temasek Holdings and the Monetary Authority of Singapore.
为什么政府要这么做？
Why did the government do this?
为什么政府不让新加坡人民知道我们的公积金是投资在储备金上面？
Why does the government not want Singaporeans to know that our CPF is invested in the reserves?
为什么政府不让新加坡人民知道新加坡政府投资有限公司和淡马锡控股动用了我们的公积金？
Why does the government not want Singaporeans to know that our CPF is being invested in the GIC and Temasek Holdings?
政府在尝试隐瞒什么？
What is the government trying to hide?
新加坡人民要求新加坡投资有限公司和淡马锡控股提供全面运作的报告。
Singaporeans Demand Full Records from the GIC and Temasek Holdings
在1993年。终于前总统王鼎昌为了要履行自己作为民选的总统的职责——保护国家储备金。他要求政府让他知道国家储备金的结存。结果是，政府告诉他必须耗费56个年人的时间去计算才可以让他知道。
Finally, in 1993, President Ong Teng Cheong wanted to fulfill his responsibilities as our elected President to protect the reserves. He asked the government to let him know how much there are in the reserves. However, the government told him that it would take 56-man years to count and let him know.
但是，现在我们知道了。这些储备是由新加坡政府投资有限公司、淡马锡控股和新加坡金融管理局共同负责管理。假设是这样，新加坡政府投资有限公司、淡马锡和新加坡金融必须保有全部完整的记录。这就是我们期望一个有效和正直的政府。所以，怎么可能需要耗费56个年人的时间去计算我们还有多少储备金的余额？
But now, we know that the reserves are managed by the GIC, Temasek Holdings and the MAS. If so, the GIC, Temasek Holdings and the MAS would have kept full and proper records. This is what we expect of an efficient and upright government. So, how can it be possible that it would take 56-man years for them to count how much there are in the reserves?
好了。我们假设新加坡政府投资有限公司、淡马锡和新加坡金融没有妥当的保管这些记录。那么，我们的另一个问题是:如果他们未能妥当的保存记录，那么，他们是否能够妥当的管理着我们的公共资金。我们能够相信他们能够管理我们的公共资金吗？
Now, if the GIC, Temasek Holdings and the MAS are not keeping proper records, then we have to question if they are handling our public funds properly. Can we trust them with our public funds if they do not keep proper records of our money?
假设他们是妥当的保存有关的记录。那么，为什么政府要告诉王鼎昌总统有关储备金的盈余结存需要耗费56个年人的时间去计算后，他才能够知道吗？
But if they do keep proper records, then why did the government tell President Ong Teng Cheong that it would take 56-man years to let him know how much there are in the reserves?
身为总统的王鼎昌为了保护我们的钱，这是新加坡人民的钱，他都无法获得被告知！我们老百姓的钱被动用到哪儿？那还有谁能够知道？
President Ong Teng Cheong had wanted to protect our money, the money of Singaporeans. And if President Ong Teng Cheong is not even allowed to know how our money is being used, then who else is?
接下的问题就是：谁有能力保护我们的钱？
Then, who will be able to protect our money?
现在的情况是不透明的！
Now, there is no transparency.
当不存在着透明的情况下，是否会有正直的情况产生？
When there is no transparency, will there be honesty?
如果没有透明性，那是否会有正义？
When there is no transparency, will there be justice?
当没有透明性，是否会存在可信赖性？
When there is no transparency, will there be accountability?
当没有可信赖性，我们怎能知道我们的公积金的命运如何？
When there is no accountability, who knows what is happening to our CPF?
为什么新加坡人民无法退休？
When Singaporeans cannot retire, why?
为什么我们不能够提取我们的公积金？
Why Singaporeans cannot take out our CPF, why?
什么原因造成了我们的公积金被困在户头里无法被提取？
Why our CPF is trapped inside, why?
当不存在透明性时，是否还有正直性？
When there is no transparency, will there be honesty?
在此，我要再一次问政府，
So I ask again,
新加坡政府投资有限公司和淡马锡控股是否动用我们的公积金存款？
did the GIC and Temasek Holdings use our CPF money?
新加坡政府投资有限公司和淡马锡控股动用我们的公积金存款去为自己赚取利润是多久的时间了？
How long have they been using our money to earn for themselves?
新加坡政府投资有限公司和淡马锡控股是否动用我们的公积金存款一共赚取了多少利润？
How much money have they earned with our CPF?
我们需要完整的记录报告！我们不是要目前的记录报告。这个记录报告是从1974年开始，就是淡马锡控股开始营业那年！
We want full reports. Not just from today. But for all the years since 1974, when Temasek Holdings was first started.
他们如何使用这笔资金？今天新加坡人为什么的穷困？今天为什么新加坡人不能够取出我们在公积金户头里的钱？让我们知道我们的钱在哪儿？把全部有关公积金资金的记录让我们看！现在是政府必须停止隐瞒的时候了！现在是政府必须立即停止装聋作哑的时候了！
What have they done with our money? Why are Singaporeans so poor today? Why can’t we take our CPF out today? Show us the money! Show us all the records. It is time the government stop hiding. It is time the government stops pretending.
我们唯一能够会知道公积金的真相的唯一途径就是要政府交出管理公积金的全部记录。
The only way we will ever know is for the government to show us all the records.
我们唯一能够会知道公积金的真相的唯一途径就是政府必须透明化和可信赖性！
The only way we will ever know is for the government to be transparent and accountable!
我们的公积金的钱在哪儿？政府是不是动用了我们的公积金？政府必须把记录交出来给我们看！政府必须告诉我们真相！政府必须对我们人民坦白！
Where is our money? What is the government doing with our CPF money? Show us the records! Tell us the truth. Be honest to Singaporeans.
今天是新的开始一天</strong>
A New Beginning Today
我所以发出呼声，那是因为我相信作为一个政府，它对人民必须是负责人的和负有不可推卸的职责的。作为一个政府，它必须是对自己的人民具有正直性和可信赖性。作为一个政府，它必须是对人民要诚实。
I have spoken up because I believe that as a government, there is a responsibility and duty to the people. A government has to be honest and accountable to the people. A government has to be truthful to the people.
假设新加坡人民无法退休，那我们有权知道为什么？
If we cannot retire, we have a right to know why.
新加坡人民有权知道自己的钱是如何被动用的？新加坡人民有权知道这些被动用的钱去了哪儿？
Singaporeans have a right to know how our money is being used and where it is going.
为了增加我们在公积金户头的数额，政府必须提高我们的薪金！
To grow our CPF, the government has to increase our wages.
为了增加我们在公积金户头的存款数额，政府必须增加我们在公积金户头的存款利息！
To grow our CPF, the government has to increase the CPF interest rates.
政府必须我们提高的薪金。我们在公积金的户头的存款例子提高了，我们在公积金户头里的存款也就跟着增加了。到时新加坡人就可以有尊严和自尊的退休！
When our wages grow, when the CPF interest rates grow, our CPF will grow and
Singaporeans will be able to retire, with dignity and with respect.
我们要的不是公积金的最低存款数额！我们要的是最低薪金！
What we want is not the CPF Minimum Sum. What we want is minimum wage.
我们要的不是政府拿我们的公积金到新加坡政府投资有限公司和淡马锡控股哪儿去赚取高利息。我们要的是拿我们的公积金去投资就得还回我们应赢得的利息。
What we want is not for the government to take our CPF to earn high interests at the GIC and Temasek Holdings. What we want is for the interest our CPF earn to be returned back to us.
我们要的不是政府在动用我们的公积金时没有让我们知道！我们要的是：政府在动用我们的公积金前必须征询我们的意见！
What we want is not for the government to take our CPF to use without telling us. What we want is for us, Singaporeans, to be consulted before the government takes our money to use.
我们要的不是政府告诉我们：我们不需要知道政府为何动用我们的公积金？我们要的是具有透明性和可信赖性！
What we want is not for the government to tell us that it is not in our interest to know what they are doing with our CPF money. What we want is transparency and accountability.
公积金户头里的钱是我们新加坡人民的钱！公积金户头里的钱的主人是属于新加坡人民和我们的国家的。
The CPF is our money. We, the citizens of Singapore, are the owners of our money and our country. It is our right to decide what we want to do with our CPF money.
政府没有任何的特权决定他们如何动用我们在公积金户头里的钱！政府没有任何的权利告诉我们，我们没权知道他们如何使用公积金户头里的钱！
It is not the prerogative of the government to decide what they want to do with our CPF money and to tell us to take it or leave it.
不！政府绝对不可以这么告诉我们！我们是新加坡公民！政府有责任聆听我们的诉求！政府有责任按照我们的意愿去处理我们在公积金户头里的钱！这是作为一个政府必须执行的事
No, it is not. It is the responsibility of the government to listen to what we, the citizens of Singapore want, and to do what we want them to do. This is what a government should do.
政府的责任是按照人民的意愿去执行人民的诉求，不是人民按照政府的意愿去跟随政府！
It is the responsibility of the government to act in accordance to the people’s wants and not make Singaporeans act in accordance to what they want.
我们是新加坡公民。我们通过选票把政府选进了国会。所以政府必须聆听人民的意见，而不是颠倒过来！
We, the citizens of Singapore, decide who gets voted into government. It is the government that has to listen to Singaporeans, and not the other way round.
1.新加坡人在公积金户头的存款利息必须是高于目前的2。5%
1. Instead of 2.5%, Singaporeans should be earning a much higher interest rate on our CPF!
2.新加坡人每个月从公积金户头里领取的钱不是每个月几百元，必须比目前还要高！
2. Instead of receiving only a few hundred dollars from our CPF payout, Singaporeans should be receiving a much higher payout!
3.新加坡人民有权从公积金的户头里提取全部的退休金，或者投资在更高利息的投资上，而不是被困在公积金的退休户头里。
3. Instead of having our retirement funds trapped inside the CPF, Singaporeans should be able to withdraw it and invest for higher returns!
４.假设新加坡政府投资有限公司和淡马锡控股是动用我们在公积金户头的钱去投资，那么，我们有权要求一个透明性、可信赖性的完整报告以说明我们的公积金是如何被使用在投资的情况。
4. If the GIC and Temasek Holdings take our CPF monies to invest, then we demand full transparency, accountability and full reports on how our CPF monies are being used!
这是政府的职责必须聆听我们的诉求！这是政府的职责回应我们的诉求！政府完全没有权利制止我们提出这些问题！我们是新加坡人！我们有权利知道！
It is the duty of a government to listen, to answer and to respond. It is not right if a government chooses to stop us from asking these questions. We have a right. Singaporeans have a right.
当我们看到年长者还在担任清洁工、散工性质的劳务工人和捡拾旧纸皮箱的拾荒者时，难道这是他们把自己毕生献给了新加坡后今天的生活吗？我们还要让他们继续这么辛苦的工作吗？
When we see our elders working as cleaners, odd-job labourers and cardboard collectors, is it right that after giving their lives to build Singapore to what it is today, that we continue to make them toil and work?
作为一个新加坡人、作为一个社会，我们有责任去照顾年长者。如果这些年长者要继续工作，我们可以尊重他们的愿望。但是，如果他们希望退休享度晚年，那是我们的责任去确保他们的愿望可以实现。
As Singaporeans, as a society, we have a responsibility to our elders. If they want to work, we have to respect that. But if they want to rest and finally spend some time for themselves, we have a responsibility as a people to ensure that they are able to do so.
当我们看到一个新加坡人在赚取低薄额薪金时，是不是就断定他们是因为他们不勤劳的工作的原因造成了他们赚取低薄的薪金。
When we see Singaporeans who have to earn low wages, is it right that we judge them and think that they are earning low wages because they are not hard working enough?
作为一个人，我们必须评估他人的价值，全新加坡人民都是平等的。不论他们的职位是属于公司的高级人员、清洁工人、教师或者是护士。他们每一个人的生命都是有价值的。我们必须对他们致以崇高的敬意和诚恳对待他们。我们必须对我们的人民致以尊重、自尊和善意！我们必须给予他们合理的薪金！
As a people, we have to value one another and all Singaporeans equally. No matter whether you are a CEO, a cleaner, a teacher or a nurse, each and every life is valuable, should be respected and should be honoured. We have to treat our people with dignity, with pride and with kindness, and pay them right.
当我们看到有孩子的家庭时，我们有权按让他们照料自己去支付高昂的医药健康费用和教育费用吗？
When we see our families with children, is it right to leave them to fend for themselves, to pay for expensive healthcare and education?
作为一个社会，我们有责任彼此间互相照顾我们的社区和家庭。这是我们的责任去保护我们这个社会的社区和大家庭。只要全体新加坡人都站起来了，我们的国家就会成长。
As a society, we have a responsibility to our community and our families, to take care of them, and of one another. We have a duty to protect the members of our community and our larger family. If all Singaporeans can rise together, our country will grow.
今天，新加坡已经来到十字路口了。我们将何去何从？
Today, Singapore is at a crossroads. Where do we go from here?
新加坡是我们的国家。新加坡是我们的家园。今天我和其他许多人在这里发出呼声。很多人告诉我、给我发了短信息和支持我走这条路。我非常感激和骄傲！
Singapore is our country. Singapore is our home. Today, I have spoken up. And so have many others. Many others who have spoken to me, sent messages to me and supported me in this journey. I thank you and I am grateful.
我就是一个普普通通的新加坡人。我只所以发出呼声就是因为我爱我的祖国。我和所有在这儿的新加坡人一样。今天，我们已经发出呼声。我们让自己听到了。今天是我们新的开始。同胞们，大家集合在一起共同来探讨我们的祖国未来的新方向。我们不可以再沉默了！我们不可以再感到害羞！
I am only an ordinary Singaporean. I want to speak up because I care for our country. And so do many of you here and us Singaporeans. Today, we have spoken up and we have made ourselves heard. Today is a new beginning where we, Singaporeans, come together, to chart a new direction for our country and our future. No more shall we keep quiet. No more shall we be shy.
今天，我们必须勇敢的站出来。我们必须昂首挺胸。我们必须发出疑问！我们必须要求得到答案！
Today, we will be brave. We will stand tall. We will question and we will demand for answers.
今天，我们已经能够找到了新的勇气、新的希望和新的鼓舞精神。
For today, we have found a new courage, a new hope and a new inspiration.
今天，作为一个新加坡人和再关心着我们祖国的每一个人，我们将团结在一起！我们将会团结在一起！让我们手牵手，我们将创造一个新的命运！
Today, we will be united and we will, as Singaporeans and every person in our country who care for our country, we will join hands and we will create a new destiny!
我坚信，过去我们的人民获得过自由、尊重和平等。我坚信，这样的一天将会再出现。我们的生活将会充满愉快、团聚和希望！
I believe that one day, our people will be free, respected and equal, as we once were, where we will live our lives happy, together and hopeful.
我坚信，我们的社会的年长者会获得有尊严。这是一个穷人不会再贫穷而是富裕起来！我们的家庭将更加坚强！我们的同胞将会对自己感到无比的骄傲和充满信心！
I believe in a society where our old are able to live in dignity, where our poor are not poor but rich, where our families are strong, and where Singaporeans are proud and confident of who we are.
我坚信，有一天，我们大家都会从自己的心坎里说出真心话去关心另一个人，去关心我们身边的人。
I believe that one day, all of us will speak up from our hearts, to care for one another and take care of the person next to us.
我坚信，我们可以看到一个更多的平等、快乐、正义和尊严的新加坡和新加坡人的生活的这一天的到来。
I believe that we can see a more equal, a happier, a just and dignified Singapore and Singaporeans today, in our lifetime.
这就是我的信念。
This is what I believe.
只要我们坚定信心、付出坚强的力量和相信自己，我们一定能够实现这个愿望！我们可以看到未来！我们一直希望看到眼前在成长！只要我们找到了勇气，那么，我们就会坚持下去，让它成长起来。
We can make this happen if we believe deep within our hearts, find the strength from deep within and believe in ourselves. We can see the future that we have always wished for grow in front of our very eyes if we find the courage within us, hold on to it, and let it grow.
我们大家都有一个梦想！那就是希望明天会更好和一个美好的新加坡。
Many of us have dreams and hopes for a beautiful future, and a new Singapore.
我们坚信，现在是我们大家扎实的在一起、团结在一起的时候了。我们坚信，我们能够实现这个愿望！我们一定能够实现这个愿望！
Now, just believe, stay true and stay united. It is time. If we believe, let’s make it happen now. If we believe, we will make it happen.
我的朋友们，现在是我们改变的时候了！拿出你的信心、自豪、坚定的站在一起！让我们共同实现这个愿望！前进吧！新加坡！
It is time, my friends. The time for change is now. Take heart, take pride, stay strong and let’s make it happen. Majulah Singapura!
我的朋友们，这是我们觉醒的时候了。这是我们挺身而出的时候了！这是我们掌握自己命运的时候了！我们必须掌握自己的生活、我们的钱、我们的自豪和自尊！这是改变的时候了！改变现状的权利是在我们自己的手里。我们必须牢牢掌握住！我们必须好好的使用它。让你自己看到你要改变的现状！
My friends, it’s time to awaken. It’s time to rise. It’s time to take control. And take back our lives, our money, our pride and our dignity. The time for change is now. The time for change is today in our hands. Take it. Use it. Be the change you wish to see.
让我们一起共同为创造一个我们大家所期盼的新加坡。我们将会感到非常的骄傲！
And let’s work together to create the Singapore we have always wanted. And what we will be proud of.
一个平等、正义、正直和友善的新加坡！一个具有透明性和可信赖性的新加坡。一个属于新加坡人民将会共同保护的土地。这就是我们要的新加坡！我们新加坡人民将会为它而战斗的新加坡！
A Singapore which is equal, just, honest and fair. A transparent and accountable Singapore where all Singaporeans and people of our land will be protected and cared for. This is the Singapore that we are proud of, and the Singapore that it’s time to fight with our lives for.
朋友们！这是发出呼声的时候了！我们坚信我们的梦想将会实现！
It is time, my friends. Speak up, believe and make our dreams come true.
谢谢大家！
Thank you
Wang Rui Rong
*The author blogs at http://wangruirong.wordpress.com