CPF Account Value Thread 2026

[Shion]

Shall I start the ball rolling instead

 

[LWZ]

Shall I start the ball rolling instead

yes

 

[Shion]

yes

I only small fry though

 

[tehhalia]

This TS starts this thread every year yet has never once shared his own CPF details.

https://forums.hardwarezone.com.sg/threads/cpf-accounts-value-thread.5946718/
https://forums.hardwarezone.com.sg/threads/cpf-accounts-value-thread-2020.6174645/
https://forums.hardwarezone.com.sg/threads/cpf-accounts-value-thread-2021.6439211/
https://forums.hardwarezone.com.sg/threads/cpf-accounts-value-thread-2022.6670732/
https://forums.hardwarezone.com.sg/threads/cpf-account-value-thread-2023.6856110/
https://forums.hardwarezone.com.sg/threads/cpf-account-value-thread-2024.6985625/
https://forums.hardwarezone.com.sg/threads/cpf-account-value-thread-2025.7092661/
https://forums.hardwarezone.com.sg/threads/cpf-account-value-thread-2026.7179116/

ok la ts if you do it for 10 years consec then support yi xia la

 

[LWZ]

I only small fry though

and big shots are the small shots that keep on shooting

 

[havetheveryfun]

https://forums.hardwarezone.com.sg/threads/my-humble-cpf-at-46.7179120/

ask this guy post

 

[JetStorm]

Let this small fry start. My SA finally hit 2025 FRS after the interest came in. This year 44 years old.

 

[yslvlys]

Let this small fry start. My SA finally hit 2025 FRS after the interest came in. This year 44 years old.

Congrats ! 44 yo already or turning 44yo in 2026? Did u voluntarily top up SA before?

 

[laokorkor]

My vital statistics
- CPF OA + CPF SA + CPF MA + CPFIS (at market value) + HDB principal and accrued interest withdrawn = ~1.25m SGD
- if HDB is valued at market valuation instead = ~1.35m SGD

The background
- 53 year old married male as at today
- started from 0 SGD in CPF accounts in 1996
- No cash top up into CPF
- No BTO, new launch EC luck ever
- 45k CPF HDB housing grant for purchase of resale HDB 4room in JW in 2008 June
- Some withdrawal of MA for medical and insurance purposes
- Some transfer of OA to SA to capture the higher interest rate
- software engineer for 29 years
- salary during career seldom hit on the CPF annual salary ceiling, been getting average salary most of my career despite NUS CS (Merit) degree. The strategy is a tortoise-vs-hare strategy where the slow-and-steady over long period of time has a higher probability of success - I've low unemployment downtime over my career - been gainfully employment most of the time constantly contributing to my accounts
- lifetime paper and realized profits and dividends of CPFIS account is ~400k SGD
- I've little outside of my CPF ecosystem, only around 480k SGD due to commitments to family/parents/church. Thus, I'm deeply grateful with the enforced saving discipline instilled by the CPF board
- I've been very careful with how I deploy my funds in CPF, having seen many of my peers screwed up their CPF, e.g. I bought low-cost HDB 4room in JW and have not moved since 2008; been happily married to the same lovely wife; using highly diversified low-costs ETF/Unit Trusts as CPFIS vehicle to capture the growth in world economy - I've no wish for Elon Musk/Bill Gates riches but screwing up my retirement safety net is a big no-no
- been grateful for the Lord for giving me such a bountiful retirement harvest in my CPF accounts, may He continues to bless and guide me with wisdom in the journey ahead. He'll forever be the cornerstone in my heart.

 

[JuniorLion]

My vital statistics
- CPF OA + CPF SA + CPF MA + CPFIS (at market value) + HDB principal and accrued interest withdrawn = ~1.25m SGD
- if HDB is valued at market valuation instead = ~1.35m SGD

The background
- 53 year old married male as at today
- started from 0 SGD in CPF accounts in 1996
- No cash top up into CPF
- No BTO, new launch EC luck ever
- 45k CPF HDB housing grant for purchase of resale HDB 4room in JW in 2008 June
- Some withdrawal of MA for medical and insurance purposes
- Some transfer of OA to SA to capture the higher interest rate
- software engineer for 29 years
- salary during career seldom hit on the CPF annual salary ceiling, been getting average salary most of my career despite NUS CS (Merit) degree. The strategy is a tortoise-vs-hare strategy where the slow-and-steady over long period of time has a higher probability of success - I've low unemployment downtime over my career - been gainfully employment most of the time constantly contributing to my accounts
- lifetime paper and realized profits and dividends of CPFIS account is ~400k SGD
- I've little outside of my CPF ecosystem, only around 480k SGD due to commitments to family/parents/church. Thus, I'm deeply grateful with the enforced saving discipline instilled by the CPF board
- I've been very careful with how I deploy my funds in CPF, having seen many of my peers screwed up their CPF, e.g. I bought low-cost HDB 4room in JW and have not moved since 2008; been happily married to the same lovely wife; using highly diversified low-costs ETF/Unit Trusts as CPFIS vehicle to capture the growth in world economy - I've no wish for Elon Musk/Bill Gates riches but screwing up my retirement safety net is a big no-no
- been grateful for the Lord for giving me such a bountiful retirement harvest in my CPF accounts, may He continues to bless and guide me with wisdom in the journey ahead. He'll forever be the cornerstone in my heart.

Thanks for sharing!

 

[camholicx]

I need some advise.

My SA hit FRS.
Should I top up my MA? I am not sure what the difference if I were to top up MA, or OA since SA is already full.

 

[Nanonited]

My vital statistics
- CPF OA + CPF SA + CPF MA + CPFIS (at market value) + HDB principal and accrued interest withdrawn = ~1.25m SGD
- if HDB is valued at market valuation instead = ~1.35m SGD

The background
- 53 year old married male as at today
- started from 0 SGD in CPF accounts in 1996
- No cash top up into CPF
- No BTO, new launch EC luck ever
- 45k CPF HDB housing grant for purchase of resale HDB 4room in JW in 2008 June
- Some withdrawal of MA for medical and insurance purposes
- Some transfer of OA to SA to capture the higher interest rate
- software engineer for 29 years
- salary during career seldom hit on the CPF annual salary ceiling, been getting average salary most of my career despite NUS CS (Merit) degree. The strategy is a tortoise-vs-hare strategy where the slow-and-steady over long period of time has a higher probability of success - I've low unemployment downtime over my career - been gainfully employment most of the time constantly contributing to my accounts
- lifetime paper and realized profits and dividends of CPFIS account is ~400k SGD
- I've little outside of my CPF ecosystem, only around 480k SGD due to commitments to family/parents/church. Thus, I'm deeply grateful with the enforced saving discipline instilled by the CPF board
- I've been very careful with how I deploy my funds in CPF, having seen many of my peers screwed up their CPF, e.g. I bought low-cost HDB 4room in JW and have not moved since 2008; been happily married to the same lovely wife; using highly diversified low-costs ETF/Unit Trusts as CPFIS vehicle to capture the growth in world economy - I've no wish for Elon Musk/Bill Gates riches but screwing up my retirement safety net is a big no-no
- been grateful for the Lord for giving me such a bountiful retirement harvest in my CPF accounts, may He continues to bless and guide me with wisdom in the journey ahead. He'll forever be the cornerstone in my heart.

Wow nice. So if you count cpf and house and your money outside cpf close to 2 mil? Really done well and can retire already..

wow amazing that your cpf gained so much.. why do you choose to use cpf to invest instead of cash? 480k isnt a small sum either.. if 48k maybe not significant vs your cpf

 

[havetheveryfun]

My vital statistics
- CPF OA + CPF SA + CPF MA + CPFIS (at market value) + HDB principal and accrued interest withdrawn = ~1.25m SGD
- if HDB is valued at market valuation instead = ~1.35m SGD

The background
- 53 year old married male as at today
- started from 0 SGD in CPF accounts in 1996
- No cash top up into CPF
- No BTO, new launch EC luck ever
- 45k CPF HDB housing grant for purchase of resale HDB 4room in JW in 2008 June
- Some withdrawal of MA for medical and insurance purposes
- Some transfer of OA to SA to capture the higher interest rate
- software engineer for 29 years
- salary during career seldom hit on the CPF annual salary ceiling, been getting average salary most of my career despite NUS CS (Merit) degree. The strategy is a tortoise-vs-hare strategy where the slow-and-steady over long period of time has a higher probability of success - I've low unemployment downtime over my career - been gainfully employment most of the time constantly contributing to my accounts
- lifetime paper and realized profits and dividends of CPFIS account is ~400k SGD
- I've little outside of my CPF ecosystem, only around 480k SGD due to commitments to family/parents/church. Thus, I'm deeply grateful with the enforced saving discipline instilled by the CPF board
- I've been very careful with how I deploy my funds in CPF, having seen many of my peers screwed up their CPF, e.g. I bought low-cost HDB 4room in JW and have not moved since 2008; been happily married to the same lovely wife; using highly diversified low-costs ETF/Unit Trusts as CPFIS vehicle to capture the growth in world economy - I've no wish for Elon Musk/Bill Gates riches but screwing up my retirement safety net is a big no-no
- been grateful for the Lord for giving me such a bountiful retirement harvest in my CPF accounts, may He continues to bless and guide me with wisdom in the journey ahead. He'll forever be the cornerstone in my heart.

having a good wife trumps everything else

 

[tehhalia]

I need some advise.

My SA hit FRS.
Should I top up my MA? I am not sure what the difference if I were to top up MA, or OA since SA is already full.

top up MA can get income tax relief, then MA contributions from your employment will flow to OA since MA and SA are full.

 

[camholicx]

top up MA can get income tax relief, then MA contributions from your employment will flow to OA since MA and SA are full.

is it the same if I top up OA at the end of the year?

 

[JetStorm]

Congrats ! 44 yo already or turning 44yo in 2026? Did u voluntarily top up SA before?

Thanks! Turning 44 in 2026. i never use cash topup SA before. Only started trf OA to SA about 10 years ago.

 

[tehhalia]

is it the same if I top up OA at the end of the year?

top up MA can have income tax relief
top up MA at the start of the year can earn interest from the start of the year

top up OA (if you mean voluntary contribution to 3 accounts, or OA housing refund) no income tax relief
top up OA at the end of the year can earn interest only from the end of the year

 

[camholicx]

i rem topping up OA (via the Housing volutnary refund), there is tax relief.

 

[tehhalia]

i rem topping up OA (via the Housing volutnary refund), there is tax relief.

can refer to this table.
https://www.cpf.gov.sg/service/arti...-account-and-topping-up-my-three-cpf-accounts

 

[BBCWatcher]

i rem topping up OA (via the Housing volutnary refund), there is tax relief.

Nope.