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my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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What should I take note of when applying to be exempted from setting aside a retirement sum in my Retirement Account (RA)?

Please note the following when applying for exemption from setting aside a retirement sum in your Retirement Account (RA):

  1. You must be 55 and above to apply for an exemption.
  2. The use of investment instruments such as endowments and bonds for exemption is not allowed.
  3. You must be in receipt of the monthly payment from your annuity policy/pension which pays you for as long as you live.
  4. You may be fully or partially exempted, depending on the guaranteed lifelong monthly payout amount from your annuity policy or pension.
  5. If an exemption is granted and you surrender or terminate your annuity policy, the surrender value of the annuity policy must be refunded to your RA, up to your cohort's Full Retirement Sum with accrued interest.
  6. The annuity policy cannot be pledged for granting you a loan as the Board needs to secure the refund of the surrender value upon termination of the policy.
  7. The annuity must be issued by MAS-registered providers and satisfy the stringent requirements under the Insurance Act.
  8. You must be both the policy holder and the sole insured person of the annuity policy.
  9. You can use multiple annuity policies to seek exemption.
  10. The amount you may withdraw from your RA excludes any monies topped up to your RA under the Retirement Sum Topping-Up Scheme and the interest earned on it.
  11. Upon exemption, you will not be eligible to receive top-ups under the Retirement Sum Topping-Up Scheme unless you join the CPF LIFE Scheme.
  12. You cannot choose to only withdraw an amount which is lower than the amount payable to you upon exemption.