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How are the retirement sums determined?

The Basic Retirement Sum (BRS) takes reference from a person's expenditure from a lower-middle retiree household, according to the latest Household Expenditure Survey (HES). It assumes that the member owns a property that can last him up to 95 and he does not need to pay rent in retirement.

The Full Retirement Sum and Enhanced Retirement Sum are set at two and three times of the BRS respectively.

The retirement sum you need to set aside depends on when you turn 55 and is fixed for the rest of your life.

Find out why the retirement sums are adjusted yearly for successive cohorts.