Can you withdraw ALL excess money from your CPF SA / OA account after meeting FRS / BRS?

Most of the time when we talk about CPF contribution, we are usually thinking more of the Employer / Employee contributions. Let’s not forget, CPF contributions for freelancers or Self-Employed is equally important for retirement planning. This interesting question just popped up today: Can RSTU cash top-up to SA be withdrawn from age 55 onwardContinue reading “Can you withdraw ALL excess money from your CPF SA / OA account after meeting FRS / BRS?”

Scrip Dividends — choose Cash, sure Lose?

Everyone might be familiar with the paradox of the Prisoners’ Dilemma — one of the most popular concept in modern game theory in Economics. By nature, individuals tend towards acting in or protecting their own interests, by not cooperating with one another, they tend to find themselves in a worse state than they would haveContinue reading “Scrip Dividends — choose Cash, sure Lose?”

Leaving behind a Legacy for your Child, via his CPF SA top-up

While CPF SA Shielding and OA Shielding — A Live Example is more applicable to more senior adults who are nearing the age where RA is formed at .age 55, there is a group of people who are believers in giving a kick-start to their children’s CPF retirement planning early by inculcating transferable and manageable savings and investment habitContinue reading “Leaving behind a Legacy for your Child, via his CPF SA top-up”

CPF SA Shielding and OA Shielding — A Live Example

Almost one year ago, I wrote an article on CPF SA Shielding before RA is formed at .age 55. It is one of the several legit CPF Hacks that any Singaporeans can employ to maximise their CPF dollars to go towards their retirement funds. While we hear all the theory online, part of us is constantlyContinue reading “CPF SA Shielding and OA Shielding — A Live Example”