Your CPF savings could be your most dependable asset. But two small adjustments could make a significant difference over time.
Figures are illustrative and based on the following assumptions: existing CPF balance of $114,000 at age 35 (2025 CPF Board average for members aged 31 to 35). Growth shown on existing balance only, excluding ongoing monthly contributions. Ordinary Account interest rate of 2.5% per year and Special Account interest rate of 4% per year, compounded monthly. OA to SA transfer and cash top-up limits apply. Actual balances will vary based on individual CPF usage and financial decisions.
With so much noise about products, platforms, and portfolios, the smartest first move is often to optimise what's possibly your most stable asset. Here are three ways to start.
Figures are illustrative and based on the prevailing CPF floor interest rates of 2.5% per year for the Ordinary Account and 4% per year for the Special Account, compounded monthly. Actual returns will vary if CPF interest rates change, and investment returns through CPFIS are not guaranteed. Individual outcomes will vary based on CPF usage and financial decisions.
In just 2 minutes, get your projected retirement payout, set a savings goal, and find out exactly what it takes to get there.
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Bring your future into focus with a café-inspired take on retirement planning. Explore interactive zones, collect charms, picture your dream retirement, and leave with practical tips you can use straight away.