CPF interest coming tonight

[testerjp]

as of end 31 Dec 2025, your SA amt is above $213K but below $220.4K?

ya, i think so, it was 206k before interest, interest about 10k.

But then that raise another question, so interest that exceeds FRS won't stay in SA i guess.
Wages CPF receiveable i am not sure either

 

[mastermember]

Song Got EDMW std. 20k

 

[Ch3tah_39]

You are perfectly right and should stay the course. CPF interest is pathetic.

But still u need ppl to top up CPF else they will change rules such as raising 20k min or other ways so we should not discourage them

So what do you want exactly... don't want to discourage people to keep topping up so the so called xyz rules change will not happen or you want to let people know rules will change lol...

you know is a thread about cpf right lol

 

[coyote]

Best is to marry a nice Malaysian girl and she remain as SG PR.

It can be a way but if your objective is only to make money, you are better off marrying a capable and rich wife in Singapore. Marrying a Malaysian girl just to have some cheaper retirement plan is rather myopic, though not wrong.

 

[highsulphur]

Excel fomula or just simple calculation? 100% balance?

I used excel but it's straight forward arithmetics

You just need to figure out your monthly end balances for each account which isn't that simple.

 

[KnyghtRyder]

The app cannot log in but websai can, managed to log in to feel rich on the 1st day of 2026.

I was using the app just now to do top up of MA.. no issue.

 

[Senfai]

How old are you?

Your SA is above FRS.

If below 55 years old, does it mean that salary that comes in, and already hit FRS, it can go above FRS and not sent to OA?

Yes that’s right.

Below 55, you cannot top up beyond FRS. But you can top up to FRS, continue working, and the monthly contribution will exceed FRS.

This is why before the closure of SA accounts, there was a big strategy to maximise SA by reaching FRS as young as possible so the monthly contributions will overflow by a lot and you end up with a risk free 4% savings account. Too good a deal already, which no more after SA closure.

 

[archie7]

ya, i think so, it was 206k before interest, interest about abt 10k.

But then that raise another question, so interest that exceeds FRS won't stay in SA i guess.
Wages i am not sure either

so my deduction is, as of end 31 Dec 2025,
after including your SA interest for the year 2025,
your SA exceeded the $213K cap for 2025 SA FRS
so the excess above $213K went to OA becos all the account limits basis FY2025

then as of today, 1 Jan 2026, your SA FRS cap will be $220.4K
so i believe you have sufficient "buffer" to top up

that's my take dude, if in doubt, ask CPF board. moi notch sexpert

 

[KnyghtRyder]

Yes that’s right.

Below 55, you cannot top up beyond FRS. But you can top up to FRS, continue working, and the monthly contribution will exceed FRS.

This is why before the closure of SA accounts, there was a big strategy to maximise SA by reaching FRS as young as possible so the monthly contributions will overflow by a lot and you end up with a risk free 4% savings account. Too good a deal already, which no more after SA closure.

Too many gaming the system. Pity really. I thought 4% was a decent and good savings scheme.. maybe less people will get cheated of their money if they kept their funds in cpf

 

[Senfai]

If MA and SA hit max, I can look forward all the contribution to be in OA finally ?

Nope. SA has no maximum in the context of monthly contribution.

 

[Multiversal]

Sorry to hear your bitterness. Happy new year to you.

Mod, pls bend him for Off Topic comments in this thread.

https://forums.hardwarezone.com.sg/threads/happy-new-year.7167580/post-158177453

 

[jikilan]

Sui Sui, new interest flow in enough for me to spend extra 1 k+ per month

annual update, increased a little bit only from last year.

 

[testerjp]

Yes that’s right.

Below 55, you cannot top up beyond FRS. But you can top up to FRS, continue working, and the monthly contribution will exceed FRS.

This is why before the closure of SA accounts, there was a big strategy to maximise SA by reaching FRS as young as possible so the monthly contributions will overflow by a lot and you end up with a risk free 4% savings account. Too good a deal already, which no more after SA closure.

To be clear.

For below 55 + FRS + BHS hit.

Wages earned CPF
SA stays in SA
MA that overflows goes where?

The interest earned on 1 Jan
Will the SA interest stay in SA?

 

[endlssorrow]

is it everyone at least have $10k interests?

 

[Ch3tah_39]

I used excel but it's straight forward arithmetics

You just need to figure out your monthly end balances for each account which isn't that simple.

I thought interest is earned on the lowest amount for that month, and if you have a contribution during the month, it might not be that accurate?

 

[williewombat615]

I was using the app just now to do top up of MA.. no issue.

Hmm… maybe the app don’t like me.

 

[Misuta]

I must say, as we grow older, we become less risky when it comes to investment. Because you will need the money for other things in life/family.

indeed your risk appetite gets lower as u grow older. i'm not advocating all in equites especially if you're in your 50s.

but i consider CPF within the broader context of my overall financial health and portfolio. it's like playing soccer. CPF is your goal keeper. but u should also have other mix of defenders and strikers (HDB, REITs, ETFs, stock pick, etc).

IMO FRS is already able to fulfil the needs for basic living. it's like a bond portfolio; low risk, low returns. whatever happens, you will have a basic security.

beyond that, you should take some risk and ride the volatility. if there's a market downturn? then cut down on your wants, hunker down and wait it out.

something like this:

https://www.dbs.com.sg/personal/articles/nav/financial-planning/life-after-work

but if your portfolio is already so big that realistically you won't be able to spend finish in your lifetime, then maxing out the low risk low returns instruments is also nothing wrong. it's like you're leading the soccer match, then all your players become defender and park the bus until game ends lor.

 

[highsulphur]

I thought interest is earned on the lowest amount for that month, and if you have a contribution during the month, it might not be that accurate?

Thats why I used the previous month's closing balance as current month's lowest balance to simplify the calculations and it works

 

[archie7]

To be clear.

For below 55 + FRS + BHS hit.

Wages earned CPF
SA stays in SA
MA that overflows goes where?

The interest earned on 1 Jan
Will the SA interest stay in SA?

Wages earned CPF
SA stays in SA
MA that overflows goes where?

MA -> SA -> OA (if current year SA FRS limit reached)

https://www.cpf.gov.sg/service/arti...happens-to-the-savings-in-my-ma-above-the-bhs

 

[weng0202]

How old are you?

Your SA is above FRS.

If below 55 years old, does it mean that salary that comes in, and already hit FRS, it can go above FRS and not sent to OA?

Yes. Contributions from salary still goes to SA
Turning 48 this year.