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Is topping up CPF SA worth it in my 20s, or invest instead?
I'm 26, have some spare cash. People say top up CPF Special Account for the 4% guaranteed …
5,165 views
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Money & CPF
Saving, CPF, stocks, insurance, and budgeting.
21 questions · 75 real answers · 784 followers
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Should I use my CPF OA to pay for my flat or keep it earning 2.5% and pay cash? What did you decide?
Buying my first flat and the bank keeps saying I can wipe out my CPF Ordinary Account to r…
657 views
1
Should I use CPF OA or cash to pay HDB loan? Confused about the 2.5 percent interest
First time buyer, just collected keys to my BTO. HDB loan interest is 2.6 percent now. My …
670 views
3
我有多少錢可以放進 CPF?
CPF 是我在工作中的一個重要支出，我希望能夠在退休時能夠有足夠的錢來生活。現在我每月的基本收入是 SGD 6,000，我每月的 CPF 投資金額是 20%。我想知道我有多少錢可以…
215 views
4
How do you actually decide between paying off your HDB loan early or keeping the cash in CPF and investments?
We have about 180k in savings and a HDB loan of 250k at 2.6% HDB concessionary rate. Part …
564 views
3
How much emergency fund is enough in Singapore?
Everyone says 3-6 months but with SG cost of living and being the sole breadwinner, I'm no…
772 views
0
Is CPF OA to SA shielding still worth doing before 55?
Turning 54 soon. People keep talking about OA-SA shielding to keep more in Special Account…
822 views
2
CPF LIFE Basic vs Standard vs Escalating, how do I choose?
Turning 55 soon and need to understand the CPF LIFE plans. Standard gives higher payouts b…
740 views
3
What do you all think about using CPF OA to pay for your HDB fully?
Some people say max out CPF OA for the flat so zero cash outlay, others say pay some in ca…
742 views
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Should I use CPF OA to pay my HDB loan or leave it to earn 2.5%?
I have a chunk in my CPF OA and I'm paying my HDB loan partly in cash. Some say keep OA un…
508 views
14
Should I use CPF OA to pay my HDB loan or pay cash?
Just got the keys to our BTO. Everyone says paying HDB with CPF OA is "free" but I've read…
398 views
3
How do you actually decide whether to top up CPF or invest the money yourself?
Every year end got people talking about topping up CPF SA for the tax relief and the 4% gu…
313 views
3
Is topping up SRS actually worth it just for the tax relief?
People keep telling me to top up my SRS to save on income tax. But the money gets locked u…
398 views
0
Why is my MediSave so high but I still cannot use it freely?
My MediSave has quite a lot but when I went for an outpatient thing I still had to pay cas…
537 views
3
Should I transfer my CPF OA to SA for the higher interest?
I'm 32 and read that moving OA (2.5%) to SA (4%) earns more for retirement. But it's irrev…
576 views
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Should I use CPF or cash to pay my HDB loan?
First time flat owner here. My colleagues are split, some say wipe the loan fast using CPF…
16 views
0
Emergency fund in a high-yield account vs Singapore Savings Bonds, what do you use?
I'm building up my emergency fund and not sure where to park it. Options seem to be high-y…
15 views
0
Should I transfer OA to SA for higher interest before 55?
I'm 40 and keep hearing people say to transfer CPF Ordinary Account to Special Account for…
16 views
0
Turning 55 soon, confused about CPF withdrawal and Retirement Account
My father is turning 55 and we're trying to understand what happens to his CPF then. There…
16 views
2
Is topping up CPF via RSTU actually worth it?
Keep seeing people top up their SA every January for the tax relief and the 4% interest. I…
223 views
3
How many months of emergency fund is enough in Singapore?
The generic advice says 3-6 months but with job market uncertainty and how long people tak…
196 views