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What is the Retirement Account? <p>On your 55th birthday, we will create a Retirement Account for you. Savings from your Special Account and Ordinary Account, up to the Full Retirement Sum (FRS), will be transferred to your Retirement Account to form your retirement sum which will provide you with monthly payouts. For higher monthly payouts, you can top up your Retirement Account up to the Enhanced Retirement Sum (ERS). If you own a property, you can choose to withdraw your Retirement Account savings above the Basic Retirement Sum (BRS). The FRS is two times the BRS, and the ERS is three times the BRS.<br></p>17401General Information on the retirement sum

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