How will the top-ups to my retirement savings be used?
Top-ups to your Special or Retirement Account will form part of your retirement sum. If you are on CPF LIFE, top-ups will increase your CPF LIFE monthly payouts. If you are not on CPF LIFE, top-ups will allow you to receive higher payouts or receive payouts for a longer time.
 
As such, top-up monies cannot be withdrawn as a lump sum, withdrawn from your Retirement Account savings using property, or transferred to your loved ones.
 
Additionally, top-up monies cannot be used for other CPF schemes, such as withdrawal for immediate retirement needs, withdrawal on exemption from setting aside a retirement sum, and other CPF schemes for education, investment, insurance, housing etc.

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