CPF Account Value Thread 2026

JuniorLion

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The day has come. You log in your CPF and feel super rich after getting the interest.

Time to show off your big account values and teach the rest how you did it. Pictures please.
 

Shion

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Perhaps you would like to start the ball rolling first ?
 

HoGnix

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CPF account interest credited amount not yet updated, but you can top up your Medisave account already😉
 

Nobody1964

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Happy New Year, everyone.

I will like to seek your opinion for CPF OA to RA transfer early in Jan (1 Jan) compared to (30 Jan) since interest in RA gained or OA lost, is similar in both situations. The only advantage I can think of is more time to consider any usage for OA before making the irreversible transfer.

@BBCWatcher, any comments please.
 
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iadpotato

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Remember to use PayLah to top up medisave, counted towards multuplier spending. But i think limit only $2000 per day for paylah, so need to split into 2 days to do, for those that need the spending.

I just use normal Paynow coz i don't need the multiplier spending, already more than 30k every month.
 

chiokcc

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Remember to use PayLah to top up medisave, counted towards multuplier spending. But i think limit only $2000 per day for paylah, so need to split into 2 days to do, for those that need the spending.

I just use normal Paynow coz i don't need the multiplier spending, already more than 30k every month.
Nice hack! But I use PayNow .....
 

Eternit

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Best to top up MA to new BHS today? or wait till 30 Jan after the first contribution come in?
 

chiokcc

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Best to top up MA to new BHS today? or wait till 30 Jan after the first contribution come in?
Today for max benefit .... $79k counted for whole month interest, plus tax deductible for next assessment year ....
 

BBCWatcher

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$3,500 right... will do so
Probably not today. You only need to beat your payroll cycle, any insurance reimbursement you're expecting, or the end of the month — whichever comes first.
I will like to seek your opinion for CPF OA to RA transfer early in Jan (1 Jan) compared to (30 Jan) since interest in RA gained or OA lost, is similar in both situations. The only advantage I can think of is more time to consider any usage for OA before making the irreversible transfer.
@BBCWatcher, any comments please.
Self-to-self you can do any time this month. If you're eligible for tax relief with a cash RA top up, do that first. If it's a family member who's transferring OA into your RA, and if it's the first time that family member is doing it, I suggest January 21th at the latest. That's because the CPF Board might need to review evidence of the family relationship, and that could take a few days.
Best to top up MA to new BHS today? or wait till 30 Jan after the first contribution come in?
You should try to beat your payroll cycle contribution so that you can get the full $3,500 deposited. If you don't have a payroll cycle that'll hit this month, January 30 works.
Today for max benefit .... $79k counted for whole month interest, plus tax deductible for next assessment year ....
No, not correct. Interest on your VCMA done this month (January) will start accruing from February 1.
 
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Nobody1964

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Self-to-self you can do any time this month. If you're eligible for tax relief with a cash RA top up, do that first. If it's a family member who's transferring OA into your RA, and if it's the first time that family member is doing it, I suggest January 21th at the latest. That's because the CPF Board might need to review evidence of the family relationship, and that could take a few days.
Noted. Thanks @BBCWatcher
 

Eternit

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You should try to beat your payroll cycle contribution so that you can get the full $3,500 deposited. If you don't have a payroll cycle that'll hit this month, January 30 works.
"Beat payroll cycle" means to top up MA before the payroll contribution comes in (mine usually 12th - 14th of the month)? Then why not just do today? What's the difference between topping up today compared to say 10th/11th Jan to beat the payroll contribution cycle? @BBCWatcher
 

yiwei

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"Beat payroll cycle" means to top up MA before the payroll contribution comes in (mine usually 12th - 14th of the month)? Then why not just do today? What's the difference between topping up today compared to say 10th/11th Jan to beat the payroll contribution cycle? @BBCWatcher
Because your money can be earning 'some interest' outside, even 0.05% is better than nothing for the rest of January
 

BBCWatcher

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"Beat payroll cycle" means to top up MA before the payroll contribution comes in (mine usually 12th - 14th of the month)? Then why not just do today? What's the difference between topping up today compared to say 10th/11th Jan to beat the payroll contribution cycle? @BBCWatcher
Because your money can be earning 'some interest' outside, even 0.05% is better than nothing for the rest of January
Exactly.

Let's suppose your $3,500 is sitting in a Maribank savings account earning 0.88% p.a. If you move that money into your MA 10 days earlier than necessary, you lose about 84 cents of bank interest. Is the 84 cents in this example a lot? No. But it's free money, and you might as well keep it for yourself instead of (effectively) donating it to the government. Also, understanding and practicing sensible, basic cash management techniques helps you develop good habits that'll also serve you well when the amounts are larger.

Just set a reminder to yourself on your smartphone, and relax.

There's also the remote possibility you'll need that $3,500 for some emergency within the next 10 days. If you stuff that $3,500 into your MA earlier than required, you also shut down those options earlier than required.
 
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tehhalia

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The day has come. You log in your CPF and feel super rich after getting the interest.

Time to show off your big account values and teach the rest how you did it. Pictures please.
will be more convincing if you start the thread with a screenshot of your own haha
 
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