You can still withdraw up to $5,000 if you have not set aside the Full Retirement Sum. In addition, You can also withdraw at least 20% of your retirement savings, either from 55 or 65, depending on your birth year.
However, if you receive any new CPF contributions, government top-ups or other refunds in your CPF account after age 55, part or all of these amounts will be transferred to your Retirement Account on your next withdrawal, to meet your Full Retirement Sum, or your Basic Retirement Sum if you own a property. There is no need to top up your retirement sum with cash.
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