CPF Account Value Thread 2025

[highsulphur]

Never use CPF for paying property loan instalment?

used and repaid with cash.

 

[singaporean11]

used and repaid with cash.

Isn't investing the free cash into shares will yield better return than 2.5% p.a. CPF interest rate?

 

[highsulphur]

Isn't investing the free cash into shares will yield better return than 2.5% p.a. CPF interest rate?

investing comes with risk. I am already quite vested in shares outside of CPF already. Just wanted to a "bond" component in CPF so I refunded my spare cash back then (interest rates back then was low with FD around 2%).

 

[d9_lives]

48 years old
OA 288,785
SA 380,438
MA 73,500
CPFIA 354,656

Total 1,097,379

Darn son.
What's your strat. to hit such high SA?

 

[highsulphur]

Darn son.
What's your strat. to hit such high SA?

i transferred once from OA to SA in my late 20s. That was the only thing I did. Don't think I top up with cash before.

 

[light84]

48 years old
OA 288,785
SA 380,438
MA 73,500
CPFIA 354,656

Total 1,097,379

Congrats. Just wait for 55 to withdraw excess and got leftover to have monthly lifetime payment

 

[poooff]

380k sa is quite little at 48

 

[JuniorLion]

380k sa is quite little at 48

I'd say it is very high.

 

[chong18]

380k sa is quite little at 48

I'm 45 and my SA 279K, 380K at 48 is quite high and most ppl this age would not have this amount.

 

[PrincessBunny]

I'm 45 and my SA 279K, 380K at 48 is quite high and most ppl this age would not have this amount.

CPF-OA to SA transfer early on will boost the SA amount later on. I'm 36 with 234k CPF-SA

 

[singaporean11]

380k sa is quite little at 48

How much SA you have at 48?

 

[FlyGuardX]

i transferred once from OA to SA in my late 20s. That was the only thing I did. Don't think I top up with cash before.

i did something similar but it takes forever for OA to regain back so quickly. 288k OA is quite a lot.

 

[highsulphur]

i did something similar but it takes forever for OA to regain back so quickly. 288k OA is quite a lot.

i will likely invest whatever I can into MBH in the coming months

 

[JuniorLion]

Those who transfer early on have high SA balance. Well done!

 

[Shion]

I feel poor, below avg after looking at the balances of others. Do you guys keep doing cash top-ups every year ?

 

[JuniorLion]

I feel poor, below avg after looking at the balances of others. Do you guys keep doing cash top-ups every year ?

I also feel poor. These people are my inspiration! Certainly much better than the 1M65 guy who made a big show for publicity.

 

[royalmix]

I feel poor, below avg after looking at the balances of others. Do you guys keep doing cash top-ups every year ?

Always look at your glass as half full, not half empty!

Let me share a "grandmother story"!

When I was at U, the lecturer said, looking at the current CPF Policies, when you start work and by the time you reach 55, you will have a million in your CPF!

We just need to focus on our career, increase our income, we will be a CPF millionaire! At that time, there were less schemes and incentives like all these "topup hacks/loopholes/backdoor" nor investments! So can you imagine how savvy was my lecturer! He wrote a book on Financial Institutions and we used it in our studies.

 

[JuniorLion]

Always look at your glass as half full, not half empty!

Let me share a "grandmother story"!

When I was at U, the lecturer said, looking at the current CPF Policies, when you start work and by the time you reach 55, you will have a million in your CPF!

We just need to focus on our career, increase our income, we will be a CPF millionaire! At that time, there were less schemes and incentives like all these "topup hacks/loopholes/backdoor" nor investments! So can you imagine how savvy was my lecturer! He wrote a book on Financial Institutions and we used it in our studies.

I treat them as inspiration so I can work towards the goal!

 

[RedsYWNA]

Here's a more normal CPF rate. Haha

46 (m)

OA: $28,187.69

SA: $255,981.66

MA: $75,500.00

 

[highsulphur]

Here's a more normal CPF rate. Haha

46 (m)

OA: $28,187.69

SA: $255,981.66

MA: $75,500.00

Nice balances esp for the SA