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Can I continue to invest under the CPF Investment Schemes beyond age 55?

You can continue to invest even after age 55, as long as you have set aside your Full Retirement Sum (FRS) in the Retirement Account. The FRS can be set aside fully with cash, or with cash (i.e. at least the Basic Retirement Sum) and property. In addition, you will not be able to invest the first $20,000 in your Ordinary Account (OA) and the first $40,000 in your Special Account (SA). This requirement applies to all members, even if you are aged 55 and above and have set aside the FRS, due to the inherent risks associated with investments which applies across all age groups. If you are eligible to withdraw your CPF, you have the flexibility to withdraw your OA/SA savings and invest as cash.

Please also note that the stock and gold limits (PDF, 0.1MB) applicable to you may change.

Please refer to this FAQ for more information on how the retirement sum is set aside at age 55.

To check your available CPF amount for investment, you can:

  • login into my cpf digital services with your Singpass > Select my cpf > My dashboards > Investment,
  • access the 'CPF Mobile' app with your Singpass, or 
  • visit any CPF Service Centres personally with your identity card.