CPF Account Value Thread 2026

[royalmix]

I don't see why allowing 'rich' people to add to their SA is a bad thing. The thing about being rich is that you have optionality.

If someone with money don't top up SA, they can use their spare CPF-OA or cash to buy Amundi Prime USA / MSCI World funds and get more than 4% return p.a. The 'volatility' of such funds doesn't matter since by the starting premise, they are 'rich' and thus have more financial buffer against volatility.

So those that top up to get 4%, are basically handing government their extra money, which GIC manages and makes more than 4% return. The excess returns are then used to pay for govt programmes, HDB subsidies, build hospitals etc. Its not as if government is 'losing' money whenever someone tops up their CPF-SA.

That will not affect you, you can continue to topup SA!

 

[BBCWatcher]

You can't stash S$1M in a CPF Special Account next week or anything like that. A hypothetical high earning employee, age 50 to 54, can only inject a maximum of about S$11,730 per year into his/her CPF Special Account — inclusive of both employer and employee contributions. This figure assumes one job at a time. At younger ages the maximum figure is even less. For example, from age 45 to 49 the maximum is about S$8,159 per year.

I don't see how these figures represent an acute problem to solve. Having more than the Full Retirement Sum in a Special Account at age 55 (when the Special Account closes) is helpful for funding a CPF Retirement Account at some level above the Full Retirement Sum, funding a nonworking or lower income spouse's Retirement Account, bridging to CPF LIFE retirement income (perhaps due to early retirement and disability), and for other reasonable purposes.

 

[highsulphur]

I don't see that to be a loophole too