CPF Planning
Making your CPF work as hard as you do
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
Certain Integrated Shield Plans and riders are approved for Medisave, letting you use Medisave savings toward the premium on top of MediShield Life. This can materially change how much of your hospitalisation cover costs cash versus CPF.
Common questions
CPF, answered plainly
What's the difference between CPFIS and just leaving my money in CPF?
Money left in your Ordinary and Special Accounts earns CPF's guaranteed interest rate. The CPF Investment Scheme (CPFIS) lets you invest part of those savings in approved unit trusts and other instruments for potentially higher returns, with correspondingly higher risk. Whether it's worth doing depends on your timeline and comfort with risk.
Can I use CPF to pay for an Integrated Shield Plan?
Yes, Medisave-approved Integrated Shield Plans let you use Medisave savings toward the premium, on top of the base cover from MediShield Life. Not every IP or rider is Medisave-approved, so it's worth checking before you commit.
What's a Retirement Sum top-up and why would I do one?
A Retirement Sum Topping-Up (RSTU) is a voluntary top-up to your own or a family member's Retirement Account, aimed at reaching the Full or Enhanced Retirement Sum for a higher monthly CPF LIFE payout later. It can also come with tax relief, depending on your situation.
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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