CPF Account Value Thread 2026

J

JuniorLion

Supremacy Member
Joined
May 15, 2017
Messages
8,473
Reaction score
245
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

Shion

Senior Mentor
Joined
Oct 24, 2008
Messages
364,178
Reaction score
114,048
Perhaps you would like to start the ball rolling first ?
 
H

HoGnix

Senior Member
Joined
Dec 31, 2006
Messages
2,071
Reaction score
515
CPF account interest credited amount not yet updated, but you can top up your Medisave account already😉
 
N

Nobody1964

Junior Member
Joined
Sep 20, 2025
Messages
6
Reaction score
10
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.
 
Last edited:
iadpotato

iadpotato

Senior Member
Joined
Aug 5, 2009
Messages
1,464
Reaction score
223
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.
 
C

chiokcc

Arch-Supremacy Member
Joined
Dec 1, 2005
Messages
12,969
Reaction score
1,400
iadpotato said:
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.
Click to expand...
Nice hack! But I use PayNow .....
 
Eternit

Eternit

Senior Member
Joined
Mar 17, 2010
Messages
2,348
Reaction score
262
Best to top up MA to new BHS today? or wait till 30 Jan after the first contribution come in?
 
C

chiokcc

Arch-Supremacy Member
Joined
Dec 1, 2005
Messages
12,969
Reaction score
1,400
Eternit said:
Best to top up MA to new BHS today? or wait till 30 Jan after the first contribution come in?
Click to expand...
Today for max benefit .... $79k counted for whole month interest, plus tax deductible for next assessment year ....
 
BBCWatcher

BBCWatcher

Arch-Supremacy Member
Joined
Jun 15, 2010
Messages
23,363
Reaction score
4,868
Lè Crayons said:
$3,500 right... will do so
Click to expand...
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.
Nobody1964 said:
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.
Click to expand...
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.
Eternit said:
Best to top up MA to new BHS today? or wait till 30 Jan after the first contribution come in?
Click to expand...
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.
chiokcc said:
Today for max benefit .... $79k counted for whole month interest, plus tax deductible for next assessment year ....
Click to expand...
No, not correct. Interest on your VCMA done this month (January) will start accruing from February 1.
 
Last edited:
N

Nobody1964

Junior Member
Joined
Sep 20, 2025
Messages
6
Reaction score
10
BBCWatcher said:
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.
Click to expand...
Noted. Thanks @BBCWatcher
 
Eternit

Eternit

Senior Member
Joined
Mar 17, 2010
Messages
2,348
Reaction score
262
BBCWatcher said:
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.
Click to expand...
"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
 
Y

yiwei

Member
Joined
Jan 16, 2003
Messages
350
Reaction score
59
Eternit said:
"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
Click to expand...
Because your money can be earning 'some interest' outside, even 0.05% is better than nothing for the rest of January
 
BBCWatcher

BBCWatcher

Arch-Supremacy Member
Joined
Jun 15, 2010
Messages
23,363
Reaction score
4,868
Eternit said:
"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
Click to expand...
yiwei said:
Because your money can be earning 'some interest' outside, even 0.05% is better than nothing for the rest of January
Click to expand...
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.
 
Last edited:
tehhalia

tehhalia

Master Member
Joined
Oct 16, 2011
Messages
3,129
Reaction score
125
JuniorLion said:
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.
Click to expand...
will be more convincing if you start the thread with a screenshot of your own haha
 
You must log in or register to reply here.
Important Forum Advisory Note
This forum is moderated by volunteer moderators who will react only to members' feedback on posts. Moderators are not employees or representatives of HWZ. Forum members and moderators are responsible for their own posts.

Please refer to our Community Guidelines and Standards, Terms of Service and Member T&Cs for more information.
Top