CPF interest coming tonight

[compro_1975]

The statement not out yet right.

 

[LWZ]

See sho many people get more CPF interest more than moi. Ish Jin muddy.

35 years old. 100+k used for housing

---

31 Dec 2025

Interest for the whole year​

$14,108.66​

---

OA​

$1,414.58

SA​

$9,754.22

MA​

$2,939.86

nice, am around your age but didn't use any OA for housing

started working at 24, earning $2,700 back then

Ordinary Account (OA)

$74,231.86​

Special Account (SA)

$241,788.67​

MediSave Account (MA)

$75,500.00​

 

[tmkedmw]

Yes RA above ERS
$3485 is month payout

Thanks for confirming.
U consider switching from RSS to cpf life?
One can do before age 80.

RSS monthly is higher but till age 90? whereas cpf life is lower but last for lifetime

 

[tmkedmw]

This is under which plan?

RSS I think. TS to confirm.

 

[KnyghtRyder]

This is quite a stretch considering 30% of people did not even meet BRS?

https://www.mom.gov.sg/newsroom/par...-to-pq-on-attainment-rates-on-brs-frs-ers-bhs

Now you know why I say majority is more than 800k

 

[ChinTuaKi]

Experts, top up MA to limit...the amount thats flows to SA and OA.....can it be drawn out at 55 if all conditions met?

 

[Hyruga]

Experts, top up MA to limit...the amount thats flows to SA and OA.....can it be drawn out at 55 if all conditions met?

Think can because it's considered SA and oa already

 

[ChinTuaKi]

Experts, top up MA to limit...the amount thats flows to SA and OA.....can it be drawn out at 55 if all conditions met?

Self answer....but need verification...

Yes, the amount topped up to your MediSave Account (MA) that overflows into your Ordinary Account (OA) or Special Account (SA/RA) because you have reached the Basic Healthcare Sum (BHS) can be withdrawn at age 55 if it exceeds the Full Retirement Sum (FRS) in your Retirement Account.

While it is true that direct cash top-ups to SA/RA are irreversible and cannot be withdrawn, the overflow mechanism from the MA is treated differently once it hits the FRS threshold.

 

[mcylo]

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

C Guy is PR lai de

 

[KnyghtRyder]

Experts, top up MA to limit...the amount thats flows to SA and OA.....can it be drawn out at 55 if all conditions met?

Yes.

 

[Lanotte]

This is under which plan?

RSS
Retirement Som Scheme

 

[KnyghtRyder]

Self answer....but need verification...

Yes, the amount topped up to your MediSave Account (MA) that overflows into your Ordinary Account (OA) or Special Account (SA/RA) because you have reached the Basic Healthcare Sum (BHS) can be withdrawn at age 55 if it exceeds the Full Retirement Sum (FRS) in your Retirement Account.

While it is true that direct cash top-ups to SA/RA are irreversible and cannot be withdrawn, the overflow mechanism from the MA is treated differently once it hits the FRS threshold.

They made exception for MA because they officially are 'worried' that sinkies don't have enough funds for medical procedures. So they must walk the talk and 'encourage' VC to MA.

 

[rizhal]

TS is PR lai de

How is TS doing ? No replies from him

PS: @yumsang is not longer valid.

 

[mcylo]

How is TS doing ? No replies from him

PS: @yumsang is not longer valid.

opps sorry....Not TS. Its that Coyote guy

 

[LWZ]

opps sorry....Not TS. Its that Coyote guy

how you know C is still PR and didn't convert ?

 

[Multiversal]

Any Singaporeans also can live like a king in Malaysia. PR is not the best to retire in Malaysia because PR cannot rent out their whole HDB, not sure they have to sell though. Being Singaporean is the best, can just keep their HDB, rent out their whole HDB for $3,500 easily and then then convert to > RM10,000 and really live like a king in Malaysia. Many have a HDB and a condo, easily S$8,000 rental converting to over RM24,000... Singaporeans also will draw $2,100 per month from cpf life from 65 onwards, that 2 rental units plus cpf life already more than $RM30,000 per month. And I have not even count dividends from REITs and dbs. Really song song retire to JB. Being Singaporean is really and truly the best of the best. Don't do silly thing like what some edmwers said, renounce their Singapore citizen ship and take out their measly CPF sum and convert to ringgit. 千万不要做傻事。

Have you retire in Malaysia yet? Many Singaporeans and edmwers already did. You can check with them.

"Remove Singaporean citizenship" and convert to what?

To Malaysian citizenship? I have not heard of people doing that, maybe there were people doing that but I didn't hear about it, although I have heard of people who converted to Australian citizenship, saying that they regretted the move, or refusing to admit that they regretted it.

Singapore is expensive to live in because of the supply and demand, the very same hands which make JB cheaper to live in.

There are trade-offs.

I once had a dialogues with a Malay Singaporean who thought that retiring in a kampung in Malaysia was a good thing. His dream. He thinks that at age of 65, he can still kick a football around a big field in a kampung, and eat a helluva lot of things, and in an emergency.....ugh! he does not need to see doctors at that age! No need to be near GOOD hospitals like those we have here. Retire as an old man with the health and physical condition of a 25 year old man!

 

[I_m_limpeh]

"Remove Singaporean citizenship" and convert to what?

To Malaysian citizenship? I have not heard of people doing that, maybe there were people doing that but I didn't hear about it, although I have heard of people who converted to Australian citizenship, saying that they regretted the move, or refusing to admit that they regretted it.

Singapore is expensive to live in because of the supply and demand, the very same hands which make JB cheaper to live in.

There are trade-offs.

I once had a dialogues with a Malay Singaporean who thought that retiring in a kampung in Malaysia was a good thing. His dream. He thinks that at age of 65, he can still kick a football around a big field in a kampung, and eat a helluva lot of things, and in an emergency.....ugh! he does not need to see doctors at that age! No need to be near GOOD hospitals like those we have here. Retire as an old man with the health and physical condition of a 25 year old man!

I got a lot of older ex PR colleagues who bragged they will retire in some Malaysia small town, buy big house there.
In the end, 9 out of 10 retired in Singapore HDB flats or condo. Only one really went back to Malaysia town to retire for good.

 

[mcylo]

how you know C is still PR and didn't convert ?

Best of both world mah. If I PR also wont convert.

Earn SG dollar here, withdraw CPF and immediately x 3.

 

[CheapColaCo]

20+k in interest this year

 

[dgeralds]

Yes RA above ERS
$3485 is month payout

wow....that is very good. Im 59, my RA is $492.7K. I will put in $14.8K in RA this month (due increase in ERS). Still my projected payout at 65 is only around $3.2K monthly..... I planning for a monthly payout of $4K at 65 but impossible to achieve.