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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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Updates on 20 Apr 2021

Added new section for home page under banner.

Overview

Enjoy attractive interest on your CPF savings

To help boost retirement savings, the Government pays extra interest on the first $60,000 of your combined balances, which is capped at $20,000 for Ordinary Account (OA). 

The extra interest earned on your OA savings will go into your Special Account (SA) or Retirement Account (RA) to enhance your retirement savings. 

If you’re participating in the CPF LIFE scheme, you will still earn the extra interest on your combined CPF balances, including savings used for CPF LIFE

Learn more about extra interest
Current rates

Earn up to 6% or 5% per annum on your CPF savings

Here are the interest rates your savings could earn across your CPF accounts.

Below 55 years old

Your combined balances

Rates (per annum)

First $60,000*

Up to 5%

In excess of $60,000

From 2.5% to 4%

55 years old and above

Your combined balances

Rates (per annum)

First $30,000*

Up to 6%

Next $30,000*

Up to 5%

In excess of $60,000

From 2.5% to 4%

* Capped at $20,000 for Ordinary Account



Rate structure

How are CPF interest rates determined?

Read more

Ordinary Account interest rate


Special Account and MediSave Account interest rates


Retirement Account interest rate


How are CPF savings invested?

Your CPF savings are invested in Special Singapore Government Securities (SSGS) which are guaranteed by the Government. SSGS are non-tradable bonds issued specifically to the CPF Board for the investment of CPF savings.

This ensures that CPF savings are safe, regardless of financial market conditions. The coupon rates which these SSGS earn for the CPF Board match the interest rates that you’ll receive.

Learn more