CPF Account Value Thread 2025

[dgeralds]

Yes.

However, OA repayment is generally the least attractive way to deposit funds into CPF. If you have other deposit options, you'll probably want to exhaust those options first before moving onto OA repayment.

Hi BBCWather. Noted. Thank you very much.

 

[HoGnix]

dgeralds said:
2. Top up MA, due increase in BHS i.e. top up $3.5K. If I do this top-up on 01/01/2026, will I get interest for whole of Jan 2026?

No. Do this shortly before any compulsory contribution that occurs in January. Or, if not, then on January 30, 2026.

If someone's MA is full $75000 on Y2025, then its Interest is more than $3500, On Jan-2026, the interest is credited and at the same time the MA limit is also up to $79000. in this case, the MA sum will overflow upon interest credited, how come we can still top up? or there is a windows?

 

[BBCWatcher]

If someone's MA is full $75000 on Y2025, then its Interest is more than $3500, On Jan-2026, the interest is credited and at the same time the MA limit is also up to $79000. in this case, the MA sum will overflow upon interest credited, how come we can still top up? or there is a windows?

Simple. The interest is for 2025 and comes first. The BHS hike is for 2026 and comes second.

For those under age 65 the 2025 Basic Healthcare Sum is $75,500, and the 2026 Basic Healthcare Sum will be $79,000 (+$3,500). So if your MA is $75,500 on December 31 (today — specifically tonight, just as the clock strikes midnight) the MA interest for 2025 will spill over, and then from January 1 you'll have $3,500 of room below the new Basic Healthcare Sum. Assuming again you're under age 65. Once you reach age 65 your BHS is fixed for life. (Although like everyone with a MediSave account you still open up room below your BHS whenever there's a deduction from MA.)

Interest on SA, RA, and OA stays in those respective accounts. All bonus interest lands in SA/RA no matter how you qualify for it. MA interest only stays in MA to the extent your MA is below your BHS.

 

[HoGnix]

Simple. The interest is for 2025 and comes first. The BHS hike is for 2026 and comes second.

For those under age 65 the 2025 Basic Healthcare Sum is $75,500, and the 2026 Basic Healthcare Sum will be $79,000 (+$3,500). So if your MA is $75,500 on December 31 (today — specifically tonight, just as the clock strikes midnight) the MA interest for 2025 will spill over, and then from January 1 you'll have $3,500 of room below the new Basic Healthcare Sum. Assuming again you're under age 65. Once you reach age 65 your BHS is fixed for life. (Although like everyone with a MediSave account you still open up room below your BHS whenever there's a deduction from MA.)

Interest on SA, RA, and OA stays in those respective accounts. All bonus interest lands in SA/RA no matter how you qualify for it. MA interest only stays in MA to the extent your MA is below your BHS.

Thank you for the explanation. I hope in Y2026, this window is still open between Interest credit and BHS hike.

 

[BBCWatcher]

Thank you for the explanation. I hope in Y2026, this window is still open between Interest credit and BHS hike.

Unless the rules change you'll have this same opportunity every January 1 before you celebrate your 65th birthday.

 

[starlight318]

My MA has dropped below 70K but there is no incentive for me to top up. Have retired so no tax benefits

 

[chiokcc]

My MA has dropped below 70K but there is no incentive for me to top up. Have retired so no tax benefits

Get family members (who qualified as loved ones) to top up for you .....

 

[BBCWatcher]

My MA has dropped below 70K but there is no incentive for me to top up. Have retired so no tax benefits

There's still an incentive: 4.0% interest. Some people (particularly those age 55+) like to keep their MediSave Accounts pegged at the Basic Healthcare Sum and then receive the MA interest in their Ordinary Accounts. Then they leave whatever is left in their MAs to their CPF nominee(s) when they pass on. (They may have some high medical spending from MediSave shortly before they pass on.)

...And chiokcc makes a great point. Children and grandchildren may qualify for tax relief when they put money in your MA.

 

[chiokcc]

@BBCWatcher

Any opinion on CPF Voluntary Home Refund if someone is nearing age 55 within 5 years?

 

[ZinY]

CPF Interests are now being credited batch by batch.
Interest for RA is credited already. OA and MA not updated yet.

 

[BBCWatcher]

Any opinion on CPF Voluntary Home Refund if someone is nearing age 55 within 5 years?

Hard to say without knowing what goal(s) you’re trying to achieve for these particular dollars.

 

[chiokcc]

Hard to say without knowing what goal(s) you’re trying to achieve for these particular dollars.

Is there any pros/cons in doing VHR?

I read that if someone is age 55+, one can just do VHR, of which the money will stay in OA for 2.5%pa, and since already > age 55, it is as "liquid" as a bank account .....

Maybe I am "old fashion", would like to see that I do not owe anything like accrued interest ....

 

[ExEngineer]

MA question - any idea when the system will reflect the new BHS @ 79k?

Logged in just now, all interests are credited & my MA is at the 2025 BHS of 75.5k.
But when I go into the cash top up (I intend to max out the 8k top up for tax relief), it’s only giving me the option of topping up SA, but not MA.

 

[chiokcc]

MA question - any idea when the system will reflect the new BHS @ 79k?

Logged in just now, all interests are credited & my MA is at the 2025 BHS of 75.5k.
But when I go into the cash top up (I intend to max out the 8k top up for tax relief), it’s only giving me the option of topping up SA, but not MA.

You have to select top-up MA in CPF website .....

my cpf -> Growing your savings -> Medisave top-ups.....

 

[259850]

There’s no rush to top up today as incoming funds start earning interest only from the following month. Best to top up towards the end of January.

 

[chiokcc]

There’s no rush to top up today as incoming funds start earning interest only from the following month. Best to top up towards the end of January.

It depends, MA top-up should be done before contribution from your job comes in .... usually the previous month CPF contribution will come in in the first 2 weeks of the proceeding month ....

 

[ericcsn]

There’s no rush to top up today as incoming funds start earning interest only from the following month. Best to top up towards the end of January.

It depends, MA top-up should be done before contribution from your job comes in .... usually the previous month CPF contribution will come in in the first 2 weeks of the proceeding month ....

Well... for some reason, my top up is showing today's date as transaction date.

Meaning that:
since the lowest amount in MA is $79000 from 1st Jan to 31 Jan 2026, i get to enjoy the top up interest on $3500 even for Jan 2026 itself (indeed the whole year).

 

[chiokcc]

Well... for some reason, my top up is showing today's date as transaction date.

Meaning that:
since the lowest amount in MA is $79000 from 1st Jan to 31 Jan 2026, i get to enjoy the top up interest on $3500 even for Jan 2026 itself (indeed the whole year).

That's is why the recommendation is to top-up MA today .... using PayNow is immediate ...

In the past, when only e-NETS is one of the several money transfer mode, whether the transfer is immediate or not, I am not sure ......

 

[chiokcc]

That's is why the recommendation is to top-up MA today .... using PayNow is immediate ...

In the past, when only e-NETS is one of the several money transfer mode, whether the transfer is immediate or not, I am not sure ......

Also, cut-off timing for each day is around 2100hrs (9pm) (I may be wrong, but I am sure any top-up before 9pm is considered same day).... if you top-up later than this, it is considered next day top-up....

 

[ericcsn]

That's is why the recommendation is to top-up MA today .... using PayNow is immediate ...

In the past, when only e-NETS is one of the several money transfer mode, whether the transfer is immediate or not, I am not sure ......

system now already overloaded . a couple of friends cannot get in to make the top up