Hello savvy Investor! Are You Ready to Navigate through the CPF Changes
Inside this exclusive guide, you’ll discover:
Don’t let shifting tides wash away your financial security.
The 2025 CPF changes, especially the removal of the Special Account (SA) for those above 55 and the transfer of excess funds into the Ordinary Account (OA), have several potential drawbacks that could impact individuals.
Here are some key concerns:
Previously: SA offered 4% interest, providing steady growth.
Now: Funds moved to OA will only earn 2.5%, reducing long-term returns
Impact: Individuals will accumulate less wealth over time, affecting retirement savings.
CPF savings in OA grow slower than inflation, meaning purchasing power declines over time.
Retirees relying on CPF may struggle to keep up with rising costs of living, healthcare, and daily expenses.
Since CPF no longer provides the best risk-free return, individuals must actively invest to grow their money.
Without proper guidance, many may leave funds idle or make poor investment choices.
With CPF Special Accounts shutting at 55 from 2025, members must explore alternatives to grow their savings. Options include transferring funds to the Retirement Account for higher interest, investing through CPFIS, making cash top-ups for tax benefits, or diversifying with low-risk instruments like Singapore Savings Bonds. Experts stress the need for careful planning to maximize retirement funds.
Leaving your CPF Ordinary Account (OA) funds uninvested may result in returns that lag behind inflation, potentially eroding your purchasing power over time. By strategically investing your CPF savings, you can harness the power of compounding and potentially achieve higher long-term returns, enhancing your retirement nest egg. It’s crucial to assess your financial literacy, risk appetite, and investment horizon to make informed decisions that align with your retirement goals.
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Just like the sea, CPF rules will continue to change. The sooner you chart your financial course, the smoother your journey to wealth will be. So, grab your treasure map, book your consultation, and set sail toward a secure and prosperous retirement.
-Warren Buffett
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*DISCLAIMER: The information provided in this page is for general information and reference purposes only and does not constitute financial advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Inspire Life shall not be held responsible for any losses, damages, or liabilities — whether direct, indirect, or consequential — arising from any decisions, actions, or reliance made based on our services or information provided. All financial decisions are made at your own risk and discretion.
