Understand the rules behind every CPF account and make the decisions you control: housing use, top-ups, investing, MediSave and CPF LIFE.
CPF is likely the largest pool of money you own, and most people treat it as something that happens to them. They use it for a flat without knowing what they will have to refund, hear that topping up is smart without checking whether it suits them, and reach 55 unsure what happens next. The rules are public, but they are spread across many pages and change often. This course puts them in order: how money enters and earns interest, what housing does to your retirement savings, when transfers, top-ups and investing make sense, what MediSave pays, and how the Retirement Account and CPF LIFE turn savings into income. Every module ends with a decision you make on your own numbers.
Follow a contribution from your payslip into each account, learn how interest is calculated and credited, and see where MediSave overflow goes, then build a worksheet using current CPF Board rates.
Learn what your OA can pay for a home, the limits on older leases, how accrued interest works when you sell, and the trade-off between paying the loan from CPF or cash.
Understand OA-to-SA transfers, cash top-ups for yourself and family, voluntary MediSave contributions and timing, then write a top-up plan that fits your other goals.
Understand what the CPF Investment Scheme allows, the guaranteed interest you give up, and the costs and risks, then calculate the return your investments would need to beat.
Learn what MediSave pays, the withdrawal limits, which premiums it covers and how it can help family members, then list what your MediSave pays each year.
Understand how the Retirement Account is formed at 55, the three retirement sums and the property pledge, and what you can withdraw, then map your accounts at 55 under three scenarios.
Understand how CPF LIFE pools longevity risk, compare the three plans on payouts and bequests, and see how starting later raises every payment, then compare options with the official estimator.
Build a projection of your CPF to retirement under three scenarios, set your nominations, and create a short yearly routine to keep your CPF plan current.
About eight hours of lessons and exercises. Have your Singpass ready, because most exercises use your own CPF statement.
That course gives you CPF at a glance and one CPF action. This course goes through the rules of each account and scheme in detail and helps you make the housing, top-up, investing and CPF LIFE decisions with your own numbers.
CPF rates, ceilings and retirement sums change, often every year. The course teaches how each rule works and sends you to the CPF Board website for current figures, so your models use this year's numbers.
No. The course is education and does not replace financial advice. It teaches how CPF works and how to decide, and never tells you what to buy. Check current rules and figures with the CPF Board, HDB, MOH and IRAS, and speak to a licensed financial adviser about your own situation.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).