CPF Account Value Thread 2025

[chiokcc]

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

Probably every one inform every one else to top-up .... can try again later ....

 

[sdexxxxd]

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

Loads of people rushing to top up $3500 into their MA accts. All sexcited to see their CPF interests huat big big...

 

[Ahboy069]

Actually why must use cash to top up
Why not keep the cash to invest?
benefits other than tax saving n flow to oa for future pay?

 

[chiokcc]

Actually why must use cash to top up
Why not keep the cash to invest?
benefits other than tax saving n flow to oa for future pay?

Income tax deductible .... especially important if SA already hit FRS before age 55.....

 

[chiokcc]

For those who wants to know, there is also the MRSS :

https://www.cpf.gov.sg/member/infoh...tirement-savings-scheme-what-you-need-to-know

 

[BBCWatcher]

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 .....

OK, but what do want these dollars to do in the future? Pay for a wedding next year? Pay for a grandchild's university tuition 10 years from now? Support your retirement?

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

That doesn't matter. You only "owe" yourself, like moving money from your left pocket to your right pocket. And not even that from age 55 onward.

You have a potentially valuable option to deposit money into OA. But it's a one-time option. Once you exercise that option, it's gone. You shouldn't exercise any particular option unless it's the best choice compared to other alternatives.

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

Yes, and a January 1 VCMA won't start accruing interest until February 1.

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).

Nope. When the clock struck midnight this morning, the opportunity to earn interest for January 2026 ended. (Except for transfers from OA into SA/RA.)

 

[BBCWatcher]

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

Yeah, there are many silly people today that are busy losing days or weeks of bank interest on their money.

The only people who should make VCMAs today are those who expect payroll cycle contributions within the next couple days.(*) Everyone else can/should chill.

(*) On edit: And those who expect insurance reimbursements into their MediSave Accounts within the next couple days.

 

[chiokcc]

Yeah, there are many silly people today that are busy losing days or weeks of bank interest on their money.

The only people who should make VCMAs today are those who expect payroll cycle contributions within the next couple days. Everyone else can/should chill.

My CPF contribution comes in within the first week of the month, so better do top-up early ....

 

[Ahboy069]

Income tax deductible .... especially important if SA already hit FRS before age 55.....

So means whatever contribution from the pay will go OA instead of MA
But then n again u will have $3500 less cash assume u top up this amount
But I still don understand how is it better compared to holding this amount in your bank or stock
I reached frs

 

[miraclee23]

Nobody is sharing their cpf interests earned i 2025?

 

[ExEngineer]

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

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

Thanks!
Found it on the website as u suggested.

Not sure why mobile app doesn’t have the MA topup function, though it has for SA topup

 

[henrylbh]

Nobody is sharing their cpf interests earned i 2025?

34100 interest from CPF
12480 dividend from CPFIS
Wish CPFB allows more OA be used for shares.

 

[259850]

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).

Last year I topped up $4000 on 1st Jan, and that was shown as the transaction date. So My MA balance was $75,500 for the full year, but my interest was $3,006.70, which is 4% on $71,500 for 1 month plus 4% on $75,500 for 11 months. Topping up on 1st Jan didn't earn me interest on the top up amount in Jan.

From the CPF website:
"CPF interest is computed monthly. It is credited to your respective accounts by the following year and compounded annually.

CPF balances used for interest computation are affected by the transactions in your account. For instance, contributions (including refunds) received this month start earning interest next month. Withdrawals/deductions in this month will not earn interest from this month onwards."

Yes, you need to top up before contributions from your employer or any refunds come into the MA in January, but it doesn't have to be the first day (you'd lose any interest that you'd earn on the cash in your bank account, though it is really tiny, I know). For retirees, can wait till the end of the month.

 

[miraclee23]

34100 interest from CPF
12480 dividend from CPFIS
Wish CPFB allows more OA be used for shares.

Do u use majority of your OA for stock investment? Somehow i dun dare to go all in even if im getting blue chip sg stocks which are like v safe hahah...

 

[ericcsn]

Last year I topped up $4000 on 1st Jan, and that was shown as the transaction date. So My MA balance was $75,500 for the full year, but my interest was $3,006.70, which is 4% on $71,500 for 12 months plus 4% on $75,500 for 11 months. Topping up on 1st Jan didn't earn me interest on the top up amount in Jan.

From the CPF website:
"CPF interest is computed monthly. It is credited to your respective accounts by the following year and compounded annually.

CPF balances used for interest computation are affected by the transactions in your account. For instance, contributions (including refunds) received this month start earning interest next month. Withdrawals/deductions in this month will not earn interest from this month onwards."

Yes, you need to top up before contributions from your employer or any refunds come into the MA in January, but it doesn't have to be the first day (you'd lose any interest that you'd earn on the cash in your bank account, though it is really tiny, I know). For retirees, can wait till the end of the month.

Thank you. That’s an outstanding validation.

 

[maumu]

...

(*) On edit: And those who expect insurance reimbursements into their MediSave Accounts within the next couple days.

what sort of "insurance reimbursements" might there be? first time read about this..

 

[compro_1975]

Last year I topped up $4000 on 1st Jan, and that was shown as the transaction date. So My MA balance was $75,500 for the full year, but my interest was $3,006.70, which is 4% on $71,500 for 12 months plus 4% on $75,500 for 11 months. Topping up on 1st Jan didn't earn me interest on the top up amount in Jan.

From the CPF website:
"CPF interest is computed monthly. It is credited to your respective accounts by the following year and compounded annually.

CPF balances used for interest computation are affected by the transactions in your account. For instance, contributions (including refunds) received this month start earning interest next month. Withdrawals/deductions in this month will not earn interest from this month onwards."

Yes, you need to top up before contributions from your employer or any refunds come into the MA in January, but it doesn't have to be the first day (you'd lose any interest that you'd earn on the cash in your bank account, though it is really tiny, I know). For retirees, can wait till the end of the month.

This data point is shocking.. means they will go by the lowest point of the day too!

Eg 8am is 19k at 12pm increased to 20k but they still take 19k to compute yet gaining the 1k to freely use... omg

 

[compro_1975]

Nobody is sharing their cpf interests earned i 2025?

We are all in the other forum

 

[Nanonited]

So means whatever contribution from the pay will go OA instead of MA
But then n again u will have $3500 less cash assume u top up this amount
But I still don understand how is it better compared to holding this amount in your bank or stock
I reached frs

Probably not worth to top up CPF if you are all in to investment except for emergency funds.

but if you hoard cash, cpf maybe worth to top up because eventually you can withdraw the amount beyond frs which means you can get the money back (assume that one will hit frs just by working). So you ‘earn’ tax relief and interest.

 

[hwmook]

This data point is shocking.. means they will go by the lowest point of the day too!

Eg 8am is 19k at 12pm increased to 20k but they still take 19k to compute yet gaining the 1k to freely use... omg

Confirm it's by the lowest balance of the month including within the day. Don't bother top up on the first day of the month.