Scheduled Maintenance: CPF digital services will not be available on 26 Mar 2023, from 12am to 8am.

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How will the top-ups to my retirement savings be used?

Top up monies will form part of your retirement sums and give you higher monthly payouts under CPF LIFE or Retirement Sum Scheme. As your top-up monies cannot be withdrawn in lump sum, it will not be taken into account when computing how much RA savings can be withdrawn using property or transferred to other recipients' retirement savings. Top-up monies also cannot be used for other CPF schemes*.                                                                           

* For example, withdrawal for immediate retirement needs, withdrawal on exemption from setting aside a retirement sum, and other CPF schemes for education, investment, insurance, housing etc.