CPF Planning
CPF retirement planning in Singapore
CPF is one of the biggest pools of money most Singaporeans have, and one of the least understood. We go through what yours is actually doing for you, and where it could be doing more.
What's available
Three ways your CPF can work harder
CPF Investment Scheme (CPFIS)
Lets you invest part of your Ordinary and Special Account savings, above the amounts CPF requires you to keep, in a range of CPFIS-approved investment-linked plans, unit trusts and other instruments, aiming for potentially higher long-term returns than the CPF interest rate alone.
Retirement Sum top-ups (RSTU)
A voluntary top-up to your own or a loved one's Retirement Account, working toward the Full Retirement Sum (FRS) or Enhanced Retirement Sum (ERS) for a higher CPF LIFE payout from age 65. For members turning 55 in 2026, the Basic Retirement Sum is $110,200, the Full Retirement Sum is $220,400, and the Enhanced Retirement Sum is $440,800; CPF Board reviews these figures each year.
Medisave-approved Integrated Shield Plans
MediShield Life premiums are fully payable with MediSave. Premiums for the additional private insurance component of an Integrated Shield Plan are payable with MediSave up to the applicable Additional Withdrawal Limit; amounts above it and rider premiums are paid in cash.
Common questions
CPF, answered plainly
Is my CPF enough for retirement?
Compare your expected CPF LIFE monthly payout with the spending you anticipate in retirement, including housing, healthcare and other commitments. Then account for inflation and any income from savings or investments. CPF provides a foundation; whether it meets your needs depends on your balances and planned lifestyle.
Should I invest my CPF?
Consider your time horizon, ability to accept losses and whether expected returns after fees justify giving up the CPF interest on the amount invested. CPFIS investments carry market risk and are not guaranteed. Keeping savings in CPF remains an option if you prefer its risk-free interest or are unsure about investing.
Can I use CPF to pay for an Integrated Shield Plan?
MediShield Life premiums are fully payable with MediSave. The additional private insurance component of an Integrated Shield Plan is payable with MediSave up to the applicable Additional Withdrawal Limit. Any excess premium and rider premiums must be paid in cash.
What is a Retirement Sum top-up?
A retirement top-up adds savings to your Special Account if you are below 55, or Retirement Account from age 55, subject to CPF rules and limits. It can help build future retirement income. Consider your cash needs and check CPF Board's current eligibility, withdrawal and tax-relief rules before making a top-up.
Next step
Bring your CPF statement, we'll go through it together
No prep needed. Just log into your CPF account before we speak if you can.
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