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Why am I not able to top up my Special/Retirement Account beyond the current Full Retirement Sum (FRS) (below 55) or Enhanced Retirement Sum (ERS) (55 or above)?

CPF savings are meant to provide for a basic level of retirement.

If you are below 55, you can top up your Special Account up to the current Full Retirement Sum (FRS) to build up your retirement savings. If you wish to save beyond the FRS, you can choose to tap on the Supplementary Retirement Scheme, where contributions are also eligible for tax relief.

If you are 55 or above, retirement becomes a higher priority. As such, members have the option to voluntarily top up beyond the FRS up to the current Enhanced Retirement Sum for higher payouts. This could help the middle-income group better meet their retirement needs.

Find out more about what the retirement sums are.