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Retirement Sum Topping-Up Scheme

QWhat is the Retirement Sum Topping Up Scheme?

The Retirement Sum Topping-up (RSTU) Scheme helps you build up retirement savings by topping up your own or your loved ones' CPF Accounts. You can do the following:

  • Top up cash or CPF savings
  • Top up your own or loved ones' Special Account (below age 55) or Retirement Account (age 55 and above)


An additional extra interest of 1% per year is given on the first $30,000 of your combined CPF balances (for members aged 55 and above) to help enhance your retirement savings. This is on top of the existing 1% extra interest on the first $60,000 of combined CPF balances.
* For top-up to own Retirement Account (applicable for members 55 and above), Special Account savings will be transferred first, followed by Ordinary Account savings.
^ See the section on "Cash top ups" for more details on tax relief. 

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