36:
435:, about $ 2.6 billion have been collected in premiums for ElderShield, out of which around $ 100 million have been paid out in claims and $ 130 million in premium rebates from its inception in 2002 to end 2015. According to Gan Kim Yong, ElderShield collects premiums while the policyholder is aged 40 to 65, and provides lifetime coverage from age 40, even after the policyholder reaches 65 and stops paying premiums. The total amount of premiums collected exceed the amount of claims paid to-date because the premiums collected are meant to provide coverage against future claims throughout policyholders' lifetime.
606:
Singapore's
Ministry of Finance on its part has put forth its explanation as to why CPF funds are invested in Special Singapore Government Securities, to enable CPF Board to be able to pay its members all their monies when due, and the interest that it commits to pay on CPF accounts. The government securities are invested as part of a combined pool of funds managed by GIC, rather than managed in a separate dedicated fund, as a standalone fund would have to be managed conservatively to avoid the risk of failing to meet obligations to CPF members.
469:) flat may be purchased under the Public Housing Scheme, or a private property under the Residential Properties Scheme. CPF savings may be used for full or partial payment of the property, and to service the monthly housing payments. With effect from 20 Aug 2024, the Loan-to-Value (LTV) limit for HDB loans was lowered from 80% to 75%. This brings the LTV limit for HDB loans in line with loans granted by financial institutions, which remains at 75% for first home loans. If a flat is purchased under the
215:
2313:
444:
out of six daily living activities. Careshield Life premium has a longer payment period of 38 years (variable depending on re-employment age cap) compared to 26 years for
Eldershield and there is no way to opt out unlike Eldershield. The annual premium is also higher, starting at $ 200 for men joining at the age of 30 and $ 250 for women, with premium rising at 2% per annum initially. The monthly payout starts at $ 600 per month and last through a lifetime.
347:
sum would be allowed to withdraw them in cash. For members with insufficient savings in the RA, their property bought with their CPF savings will be automatically pledged to make up up to half of their MS. Members would receive a monthly stipend from their RA at the start of their Payout
Eligibility Age until it is depleted.
605:
The CPF has been described as "a forced savings scheme" for
Singaporeans with "monthly contributions into the fund" to be saved for retirement, or for expenses on "property, healthcare, and their children's education", while the GIC has been described to have "indirectly invested" funds from the CPF.
424:
ElderShield is a severe disability insurance scheme that provides monthly cash payout of $ 300 or $ 400 up to a maximum period of 5 or 6 years. CPF members with a
Medisave account will be automatically enrolled into the scheme once they reach 40 years old unless they opt-out. In order to make a claim
239:
rate of return. The
Central Provident Fund was expanded in 1968 to provide for housing expenses under the Public Housing Scheme. In 1984 the Central Provident Fund was again expanded to cover medical care expenses. In 1986 an investment option was added to give members the opportunity to manage their
443:
On 25 May 2018, the
Ministry of Health announced that it will be introducing a mandatory insurance scheme that will enhance the existing Eldershield by 2020 for those aged between 30 and 40. Similar to Eldershield, to claim under Careshield Life, one has to lose the ability to perform at least three
394:
The BHS for members who turn 65 in 2024 is $ 71,500 and remains fixed for the rest of their lives. BHS for members who are below 65 in 2024 is $ 71,500 and will be adjusted yearly. Members do not need to make any top-up if they do not have the BHS. Policies on
Medisave usage and BHS is determined by
346:
The CPF Minimum Sum (MS) Scheme requires all members to set aside a minimum sum of CPF savings in the RA for retirement needs upon reaching 55 years old. CPF savings from the OA and SA would be transferred to the RA for this purpose. Members whose savings are in excess of the MS and
Medisave minimum
307:
As of 2023, the employer's CPF contribution is 17% for those up to the age of 55 and decreases to 7.5% for those aged 70 and above. For employees, the CPF contribution is 20% up to the age of 55, 15% for those above 55 to 60 years of age, and it decreases to 9.5% for individuals aged above 60 to 65.
298:
The CPF savings earn a minimum interest of 2.5% for OA and 4% for other accounts. In addition, the first $ 60,000 in the combined CPF balances, with up to $ 20,000 from the
Ordinary Account, will earn an extra 1% interest. CPF members age 55 and above will also earn an extra 1% on the first $ 30,000
390:
The Basic Healthcare Sum (BHS) is the maximum amount a citizen member can have in their MediSave account and is the estimated savings they need in their MediSave Account for their basic subsidised healthcare needs in old age. Part of citizen members' working contributions will be allocated to their
350:
In 2016, the Minimum Sum was renamed as the Retirement Sum. The retirement sum has been continuously increased over the years to account for inflation and longer life expectancies. CPF members who turn 55 in 2024 will need to set aside a Full Retirement Sum of $ 205,800 in their Retirement Account.
243:
In 1987, the Minimum Retirement Sum Scheme annuity was introduced. In 1990, MediShield health insurance funded by Central Provident Fund savings, was launched to provide universal healthcare to all Singaporeans. Later programs includes interest rate top up of 1% for the first $ 60,000 of retirement
234:
committee, to create the Central Provident Fund in 1955 as a compulsory savings scheme to assist workers in retirement provision without needing to introduce a more extensive and costly old age pension, as was the norm in Britain at the time. Money contributed to the Central Provident Fund earned a
616:
Ngerng said that the article was a call for greater transparency on the CPF, the GIC and Temasek Holdings. and called for PM Lee to rebut the points made in his blog post. Singapore's Ministry of Finance has publicly stated that CPF monies are safe as all CPF monies are invested in securities that
453:
Members up to 60 years old will be covered for a maximum sum assured of $ 70,000. For members above age 60 and up to age 65, DPS covers them up to a maximum sum assured of $ 55,000. The annual premium increases with age, from $ 18 for 34 years old and below, to $ 298 for those 60 to 64 years old.
247:
When the CPF was started in 1955, both employees and employers contributed 5% of an employee's pay to the scheme. The rate of contribution was progressively increased to 25% for both employers and employees in 1985. The employer contribution was cut to 10% during a recession in 1986. The employer
452:
The Dependents' Protection Scheme (DPS) provides insured members and/or their families with some money to get through the first few years should the insured members meet an untimely death, suffer from terminal Illness or total permanent disability. DPS covers insured members up to 65 years old.
646:
proposed to pay the S$ 150,000 in instalments which was granted by the Prime Minister on the condition that Ngerng paid the S$ 30,000 in hearing costs immediately i.e. by 16 March 2016. Ngerng is expected to repay $ 100 a month from 1 April 2016 onwards over five years until 1 April 2021 when
861:
The proceeds from SSGS issuance are pooled with the rest of the Government's funds, such as proceeds from issuing Singapore Government Securities (SGS) in the markets, government surpluses, as well as the receipts from land sales which under our Constitutional rules are accounted for as Past
638:
ruled that there was "no triable defence" and "no doubt that it is defamatory to suggest that the plaintiff is guilty of criminal misappropriation". An injunction against Ngerng was granted, barring him from publishing future similar accusations regarding PM Lee and the CPF. Ngerng expressed
367:
It improves upon the Minimum Sum Scheme where payouts only last about 20 years. No minimum amount of RA savings will be needed to join CPF LIFE, however the monthly payout depends on the RA savings. Thus, members with lower RA balances will receive correspondingly lower monthly payouts.
510:. From 1 July 2010, only monies in excess of $ 20,000 in the Ordinary Account and $ 40,000 in the Special Account can be invested. Profits made from investments are not withdrawable but members do not have to make any top-up to their CPF if they incur losses on investments.
351:
Over the years, the Payout Eligibility Age has been progressively delayed from 60 to 65. For the cohort who reached age 55 in 2022, about 50% of active members met the Full Retirement Sum (FRS) in cash while about 30% were unable to meet the FRS in cash or in cash/property.
548:
CPF nominations allow members to specify how their CPF savings will be distributed upon their passing. This ensures that their loved ones receive the CPF monies according to their wishes. By default, CPF members' nominees will receive the deceased's savings in cash.
481:
CPF members may invest their Ordinary Account balance under the CPF Investment Scheme – Ordinary Account (CPFIS-OA) and their Special Account balance under the CPF Investment Scheme – Special Account (CPFIS-SA), subject to caps. Assets that may be invested includes
252:, and thereafter lowered to 10% for workers 55 years or younger. Since then, the employer contribution rate has been gradually increased. Employers currently contribute 3 fewer percentage points of salaries over S$ 750 for employees up to 55 years old.
411:. Medisave savings may be used to cover the premiums for MediShield Life. Similar to Medisave, policies on Medishield Life coverage, usage and premiums are set by the Ministry of Health while the day-to-day operational aspects are run by CPF Board.
1458:
1510:
1755:
244:
savings, the Workfare Income Supplement which supplements retirement savings for low-income older workers, and the Pioneer Generation Package which provides additional support for the medical expenses of older workers.
1432:
1462:
363:
plan, which will give them an income for life, starting from their Payout Eligibility Age. Those who are not on CPF LIFE can choose to join it or continue to keep the monies in their Retirement Account.
294:
The OA and SA is combined to form the Retirement Account (RA) when one turns 55. The RA is used to meet basic needs during old age. From early 2025, the SA will be closed for members aged 55 and above.
536:
Conditional partial withdrawal for those with reduced life expectancy due to a medical condition; who are certified permanently unfit for work; or permanently lack the mental capacity to make decisions.
199:
CPF monies are used by the CPF Board to invest in the exclusive purchase of Government-issued Special Singapore Government Securities (SSGS), with the proceeds from these transactions going into the
642:
On 17 December 2015 the court led by Lee Seiu Kin handed down a judgement ordering Ngerng to pay S$ 100,000 in general damages and S$ 50,000 in aggravated damages. Ngerng, through his lawyer,
196:
which is responsible for investing contributions. The Global Pension Index, an index that assesses retirement income systems, placed Singapore as the best in Asia and 7th worldwide in 2023.
428:
As of 2018, depending on the payout, entry age and gender, the annual premium for Eldershield ranges from $ 152 to $ 3132. This premium is non-guaranteed and may be adjusted in the future.
613:, who stated that the blog post alleged that Lee "is guilty of criminal misappropriation of the monies paid by Singaporeans to the CPF" and that the allegations were "false and baseless".
1514:
1729:
1953:
1604:
2229:
647:
instalments are increased to S$ 1,000 until the full sum has been paid by the year 2033. Lee also rejected Ngerng's request to reimburse part of the damages i.e. S$ 36,000.
2016:
1172:
425:
under this scheme, a person must lose the ability to perform at least three out of the six daily activities: Washing, Dressing, Feeding, Toileting, Mobility, Transferring.
2279:
772:
1984:
391:
MA until their balance reaches the Basic Healthcare Sum (BHS). Amounts above the BHS will be transferred to citizen members' other CPF accounts, depending on their age.
1436:
387:
may be used to cover self or dependents' hospitalisation expenses. It may also be used for certain outpatient treatments like chemotherapy and radiotherapy treatments.
2710:
2117:
2301:
2208:
1579:
823:
3396:
1103:"CPF Board - Changes to the CPF Minimum Sum, Medisave Minimum Sum and Medisave Contribution Ceiling from 1 July 2014 for a more secure retirement - my CPF 2"
961:
746:
1536:
2089:
1704:
371:
Members who have a life annuity from an insurance company that provides equivalent benefits to that of CPF LIFE may be exempted from joining the scheme.
308:
For employees aged above 65 to 70, the CPF contribution rate is 7%. The CPF contribution rate further decreases to 5% for individuals aged 70 and above.
1146:
185:
The CPF is an employment-based savings scheme with the help of employers and employees contributing a mandated amount to the fund for their benefits.
1879:
3391:
2361:
1298:
932:
627:, Ngerng argued that his blog post had been misunderstood, and that he was merely asking for more transparency and accountability for CPF monies.
2547:
848:
1798:
639:
disappointment at the verdict, but maintained that he would "still continue to speak up on the CPF and other issues that concern Singaporeans".
634:
found Ngerng liable of defamation with damages to be assessed, which was the first such ruling in Singapore over a purely online article. Judge
1773:
1259:
518:
From 2003 to 2013, CPF members who left Singapore withdrew SGD$ 426 million, or 0.3 per cent of the average total members' balances each year.
521:
From 2013 to 2017, an annual average of 13,500 CPF members, or 0.4% of total CPF members, withdrew their CPF monies when they left Singapore.
2331:
1910:
2317:
2309:
189:
1102:
2562:
2501:
2336:
2294:
617:
are issued and guaranteed by the Singapore Government, which is one of the few remaining triple-A credit-rated governments in the world.
1733:
1391:
2974:
2671:
1654:
1961:
3386:
2426:
2233:
1241:
1223:
1053:"CPF Contribution Changes from 1 September 2023 and 1 January 2024 CPF Contribution Changes from 1 September 2023 and 1 January 2024"
1459:"Gan Kim Yong: $ 2.6 billion collected in premiums for ElderShield insurance and around $ 100 million paid out in claims since 2002"
359:
Members with at least $ 40,000 in their Retirement Account at 55 or at least $ 60,000 at 65 years old will be asked to select a CPF
3168:
2796:
2725:
2552:
2446:
1198:
3002:
2411:
227:
200:
2020:
1052:
3406:
3401:
3113:
2923:
2287:
2154:
1994:
1027:
1002:
2847:
2421:
2371:
2351:
656:
17:
2179:
2745:
2595:
2416:
700:
899:
3344:
2684:
2466:
2341:
977:
666:
620:
Ngerng apologized "unreservedly" on 23 May, admitting that his allegation was "false and completely without foundation".
2603:
2567:
2486:
2456:
2127:
2776:
2431:
1348:
1756:"Written Answer by Mrs Josephine Teo, Minister for Manpower, to Parliamentary Question on CPF withdrawals at age 55"
3133:
2997:
2954:
2720:
2639:
2585:
2580:
2496:
2451:
1629:
958:
750:
193:
163:
104:
1554:
3017:
2969:
2491:
2356:
1414:
705:
677:
583:
2869:
2816:
2664:
1679:
874:
3308:
3280:
3118:
3041:
2906:
2526:
2406:
2270:
1823:
1537:"New mandatory CareShield Life replaces ElderShield in 2020, will offer wider coverage for severely disabled"
1511:"Govt launches compulsory CareShield Life while optional ElderShield garners $ 3.3b with only $ 133m payouts"
1150:
594:(GIC). Ngerng claimed there was an "uncanny resemblance" between this chart and another chart by news agency
466:
462:
231:
2061:
3153:
3053:
2992:
2786:
2771:
2735:
2391:
2268:
Singapore's Central Provident Fund Scheme An Overview and A Comparison with the U.S. Social Security System
715:
533:
Anyone who has renounced his Singapore citizenship or permanent residency. The CPF accounts will be closed
1273:
3143:
2884:
2806:
2801:
2613:
2572:
2461:
2366:
2184:
2066:
1887:
575:
249:
936:
3303:
2811:
2791:
2705:
2376:
35:
1366:
3351:
3318:
3293:
3238:
3233:
3191:
3138:
3088:
2891:
2859:
2657:
2401:
1730:"CPF members leaving S'pore withdrew more than $ 400m each year from 2003 to 2013 - Channel NewsAsia"
1077:
710:
695:
1121:
567:
3228:
2959:
2852:
2700:
2511:
2481:
2441:
725:
219:
206:
As at Dec 2023, the CPF managed US$ 424 billion (S$ 571 billion) for 4.49 million account holders.
265:
Employees and employers are required to make monthly contributions to the following CPF accounts:
3250:
3245:
3186:
3103:
3073:
3012:
2913:
2874:
2516:
2476:
2381:
631:
610:
69:
1848:
3411:
3216:
3108:
3083:
3027:
2928:
2918:
2901:
2864:
2759:
2471:
2396:
1323:
1106:
1935:
3260:
3211:
3148:
2964:
2835:
2821:
2740:
2506:
2042:
1395:
461:
The Ordinary Account savings can be used to purchase a home under the CPF housing schemes. A
1605:"Measures to Cool the HDB Resale Market and Provide More Support for First-Time Home Buyers"
623:
On 29 May 2014, Prime Minister Lee filed a defamation lawsuit against Ngerng. In a 4 August
3337:
3178:
3158:
3098:
3068:
3022:
2942:
2879:
2781:
2692:
2386:
2158:
1957:
1485:
672:
408:
280:
Special Account (SA) – for old age and investment in retirement-related financial products.
222:. It was sold to Ascendas Land in 2015 with the last tenant moving out on 20 February 2017.
1245:
1227:
8:
3201:
3196:
3058:
2987:
2730:
2715:
2531:
720:
643:
599:
591:
404:
3360:
3265:
3255:
3206:
3123:
3078:
3063:
3007:
1914:
689:
3298:
3288:
3221:
2608:
2122:
2094:
1989:
904:
595:
574:. Within the post, Ngerng created a chart which mapped the relationships between the
287:
3365:
2979:
2896:
2623:
587:
539:
CPF members who are 55 years and older, and have met the conditions for withdrawal
3093:
2521:
2436:
2274:
965:
661:
579:
499:
316:
CPF OW ceiling is being progressively raised from S$ 6,000 to S$ 8,000 by 2026.
959:
http://singapore.usembassy.gov/uploads/images/_QF6LGQgjmWlzUvlCufN4A/CPF_03.pdf
773:"Appointment of Ms Yong Ying-I as Chairman of The Central Provident Fund Board"
495:
491:
473:
Scheme, mortgage insurance under the Home Protection Scheme will be necessary.
470:
3380:
3270:
2557:
798:
635:
432:
360:
159:
2209:"Blogger Roy Ngerng to pay $ 150,000 in damages to PM Lee in instalments"
849:"Is our CPF money safe? Can the Government pay all its debt obligations?"
236:
407:
to help citizens and their dependents to meet the high medical costs of
563:
487:
270:
214:
171:
167:
218:
CPF Building, previously headquarters of the CPF Board, is located on
158:), is a compulsory comprehensive savings and pension plan for working
3128:
2680:
2649:
2590:
2312:
1199:"Only 50% of Singapore's active CPF members met FRS in cash for 2022"
624:
483:
274:
179:
2230:"PM Lee rejects blogger Roy Ngerng's request to pay part of damages"
248:
contribution rate was reverted to match the employee rate until the
226:
British colonial authorities in Singapore implemented a proposal by
566:
made a post entitled "Where Your CPF Money Is Going: Learning From
384:
283:
2711:
Founding of modern Singapore and early colonial period (1819–1826)
2267:
1911:"Southeast Asian leaders flounder in the face of online criticism"
824:"Mercer index: Singapore's CPF is the best pension system in Asia"
79:
238B Thomson Road, #08-00, Novena Square Tower B, Singapore 307685
3313:
2618:
1954:"Blogger Roy Ngerng asked to remove defamatory post about PM Lee"
175:
1078:"Complete Guide to Singapore CPF Calculations and Contributions"
609:
On 18 May, Prime Minister (PM) Lee responded through his lawyer
503:
23:
Statutory board administering national savings and pension plan
1433:"Special Arrangements and Subsidies | Ministry of Health"
602:
leaders, who were being charged with misappropriating funds.
269:
Ordinary Account (OA) – for housing, pay for CPF insurance,
557:
507:
2087:
957:
US Embassy (2003). The Providence Fund: Challenges Ahead,
188:
It is administered by the Central Provident Fund Board, a
1985:"Blogger accused of defaming PM Lee takes down blog post"
2260:
115:
529:
CPF savings can be withdrawn on the following grounds:
1774:"CPFB | Closing your account when you leave Singapore"
2155:"Singapore PM wins defamation suit against activist"
2090:"PM Lee commences suit against blogger Roy Ngerng"
311:
3378:
2362:Competition and Consumer Commission of Singapore
447:
286:Account (MA) – for hospitalisation and approved
2548:Agri-Food and Veterinary Authority of Singapore
2318:Statutory boards of the Government of Singapore
2149:
2147:
2145:
1799:"CPFB | Withdrawing on reduced life expectancy"
1260:"CPFB | What is the Basic Healthcare Sum?"
1122:"How CPF Minimum Sum scheme changes affect you"
2558:Commercial and Industrial Security Corporation
592:Government of Singapore Investment Corporation
260:
2665:
2332:Accounting and Corporate Regulatory Authority
2295:
1877:
1147:"Press Release Detail - Ministry of Manpower"
927:
925:
923:
3397:Statutory boards of the Singapore Government
2142:
2017:"Blogger Roy Ngerng submits NMP application"
1630:"CPFB | Protecting against losing your home"
683:
524:
16:For the provident fund of South Africa, see
2726:British Military Administration (1945–1946)
2563:Infocomm Development Authority of Singapore
2502:Singapore Examinations and Assessment Board
2337:Agency for Science, Technology and Research
1873:
1871:
1869:
2672:
2658:
2302:
2288:
2088:Nur Asyiqin Mohamad Salleh (29 May 2014).
978:"CPFB | How much CPF contributions to pay"
920:
2427:Intellectual Property Office of Singapore
2180:"Roy Ngerng found to have defamed PM Lee"
2062:"Blogger Roy Ngerng apologises to PM Lee"
749:. Government of Singapore. Archived from
302:
2736:Self-governance of Singapore (1955–1962)
2628:Telecommunication Authority of Singapore
2447:Maritime and Port Authority of Singapore
2118:"PM Lee responds to blogger's affidavit"
2109:
1976:
1866:
582:, the Central Provident Fund (CPF), the
558:Comparison with City Harvest Church Fund
213:
3392:Government agencies established in 1955
2412:Home Team Science and Technology Agency
2115:
2059:
1982:
1409:
1407:
1405:
3379:
2975:China–Singapore Suzhou Industrial Park
2679:
2053:
2653:
2422:Inland Revenue Authority of Singapore
2372:Defence Science and Technology Agency
2352:Civil Aviation Authority of Singapore
2283:
1902:
657:Central Provident Fund (South Africa)
414:
336:
18:Central Provident Fund (South Africa)
2417:Infocomm Media Development Authority
2009:
1880:"Blogger accused of defaming PM Lee"
1849:"Central Provident Fund Board(CPFB)"
1824:"Central Provident Fund Board(CPFB)"
1705:"Central Provident Fund Board(CPFB)"
1680:"Central Provident Fund Board(CPFB)"
1580:"Central Provident Fund Board(CPFB)"
1555:"Central Provident Fund Board(CPFB)"
1402:
1392:"CPF Board - ElderShield - my CPF 2"
1299:"Central Provident Fund Board(CPFB)"
1274:"Central Provident Fund Board(CPFB)"
1196:
1173:"Central Provident Fund Board(CPFB)"
1119:
1028:"Central Provident Fund Board(CPFB)"
701:South African Social Security Agency
476:
2342:Building and Construction Authority
2019:. Channel News Asia. Archived from
1655:"CPFB | Investing your CPF savings"
1503:
1394:. 23 September 2014. Archived from
1244:. 24 September 2014. Archived from
13:
2604:Singapore Broadcasting Corporation
2568:International Enterprise Singapore
2457:National Council of Social Service
1461:. 18 February 2017. Archived from
456:
438:
398:
374:
341:
320:Before September 1, 2023: S$ 6,000
14:
3423:
2640:template: Government of Singapore
2252:
1483:
1242:"CPF Board - Medisave - my CPF 1"
1224:"CPF Board - CPF LIFE - my CPF 2"
900:"IT'S LAW NOW-BUT STILL A RIDDLE"
598:regarding the relationship among
543:
513:
431:According to Minister for Health
3387:1955 establishments in Singapore
2741:Merger with Malaysia (1962–1965)
2600:Singapore Broadcasting Authority
2586:National University of Singapore
2581:Nanyang Technological University
2497:Singapore Accountancy Commission
2311:
1486:"Understanding Insurance Claims"
552:
490:, Exchange Traded Funds (ETFs),
250:1997–1998 Asian Financial Crisis
34:
2721:Japanese occupation (1942–1945)
2716:Straits Settlements (1826–1942)
2492:Sentosa Development Corporation
2232:. 14 March 2016. Archived from
2222:
2206:
2200:
2172:
2081:
2035:
1946:
1928:
1908:
1841:
1816:
1791:
1766:
1748:
1722:
1697:
1672:
1647:
1622:
1597:
1572:
1547:
1529:
1477:
1451:
1425:
1384:
1359:
1341:
1316:
1291:
1266:
1252:
1234:
1216:
1190:
1165:
1139:
1113:
1095:
1070:
1045:
1020:
1003:"CPFB | Budget Highlights 2024"
995:
970:
706:Social Security (United States)
678:Provident fund (disambiguation)
584:Monetary Authority of Singapore
2731:Post-war Singapore (1946–1955)
1760:Ministry of Manpower Singapore
1105:. 16 June 2014. Archived from
951:
892:
867:
841:
816:
791:
765:
747:"CENTRAL PROVIDENT FUND BOARD"
739:
419:
409:prolonged or serious illnesses
312:CPF ordinary wage (OW) ceiling
1:
3407:Singapore government policies
3402:1955 establishments in Malaya
2527:Urban Redevelopment Authority
2432:ISEAS – Yusof Ishak Institute
2407:Housing and Development Board
1513:. 28 May 2018. Archived from
1226:. 3 June 2014. Archived from
1120:Guan, Ivan (6 October 2015).
732:
463:Housing and Development Board
448:Dependents' Protection Scheme
2746:Republic of Singapore (1965–
2619:Singapore Telecommunications
2392:Government Technology Agency
2043:"Ministry of Finance - FAQs"
1936:"Ministry of Finance - FAQs"
1349:"MOH | MediShield Life"
1197:Loon, Yee (5 October 2023).
716:Social security in Australia
140:Central Provident Fund Board
29:Central Provident Fund Board
7:
3169:Water supply and sanitation
2614:Singapore Improvement Trust
2573:Media Development Authority
2553:Casino Regulatory Authority
2462:National Environment Agency
2367:Council for Estate Agencies
669:, Malaysia's Provident Fund
650:
576:Prime Minister of Singapore
379:
354:
323:September 1, 2023: S$ 6,300
261:Accounts and interest rates
255:
10:
3428:
3114:National Courtesy Campaign
2377:Economic Development Board
209:
15:
3331:
3279:
3177:
3049:
3040:
2950:
2941:
2843:
2834:
2767:
2758:
2691:
2635:
2540:
2402:Health Sciences Authority
2324:
711:Social security in Sweden
696:Social Security in France
684:Similar systems elsewhere
525:Conditions for withdrawal
332:January 1, 2026: S$ 8,000
329:January 1, 2025: S$ 7,400
326:January 1, 2024: S$ 6,800
146:), commonly known as the
128:
110:
100:
83:
75:
65:
47:
42:
33:
2848:Administrative divisions
2706:Early history (pre–1819)
2701:Archaeology in Singapore
2591:Post Office Savings Bank
2512:Singapore Land Authority
2482:Public Transport Council
2442:Land Transport Authority
1415:"MOH | ElderShield"
964:22 February 2014 at the
908:. 1 July 1955. p. 7
726:Mandatory Provident Fund
667:Employees Provident Fund
630:On 7 November 2014, the
405:catastrophic care scheme
395:the Ministry of Health.
166:primarily to fund their
3013:Singapore Standard (SS)
2609:Singapore Harbour Board
2596:Public Works Department
2577:National Computer Board
2517:Singapore Tourism Board
2467:National Heritage Board
2382:Energy Market Authority
1367:"MOH | MediShield Life"
875:"CPFB | CPF statistics"
632:High Court of Singapore
70:Government of Singapore
3109:Long hair in Singapore
2487:Public Utilities Board
2472:National Library Board
2397:Health Promotion Board
2347:Central Provident Fund
2261:Central Provident Fund
568:The City Harvest Trial
303:CPF contribution rates
240:own risk and returns.
223:
152:Central Provident Fund
53:; 69 years ago
2998:Proposed developments
2507:Singapore Food Agency
2452:National Arts Council
2357:Civil Service College
2273:11 March 2005 at the
1398:on 23 September 2014.
1248:on 24 September 2014.
851:. Ministry of Finance
403:MediShield Life is a
217:
90:Yong Ying-I, Chairman
2777:Environmental issues
2477:People's Association
2387:Enterprise Singapore
2159:Agence France Presse
1958:Agence France Presse
673:Economy of Singapore
506:, Property Fund and
194:Ministry of Manpower
192:operating under the
105:Ministry of Manpower
3134:Population planning
3119:National Day Parade
2955:Economic statistics
2532:Workforce Singapore
1878:Jalelah Abu Baker.
799:"CPFB | Who we are"
753:on 24 November 2015
721:Canada Pension Plan
644:Eugene Thuraisingam
600:City Harvest Church
164:permanent residents
30:
3124:No U-turn syndrome
3018:Telecommunications
3008:Singapore Exchange
2970:Monetary Authority
2130:on 13 January 2015
1997:on 4 December 2014
1964:on 4 December 2014
1890:on 4 December 2014
690:National Insurance
415:Protection Schemes
337:Retirement Schemes
299:of their savings.
224:
28:
3374:
3373:
3327:
3326:
3222:Singapore English
3036:
3035:
2937:
2936:
2924:Political parties
2870:Foreign relations
2830:
2829:
2647:
2646:
2188:. 7 November 2014
2123:The Straits Times
2095:The Straits Times
1990:The Straits Times
1736:on 6 October 2014
1541:The Straits Times
1439:on 6 October 2015
939:on 5 October 2015
905:The Straits Times
596:Channel News Asia
477:Investment Scheme
288:medical insurance
232:Progressive Party
136:
135:
93:Melissa Khoo, CEO
84:Agency executives
3419:
3354:
3347:
3340:
3054:Communitarianism
3047:
3046:
2983:
2948:
2947:
2841:
2840:
2765:
2764:
2749:
2674:
2667:
2660:
2651:
2650:
2624:SPRING Singapore
2316:
2315:
2304:
2297:
2290:
2281:
2280:
2264:
2263:
2246:
2245:
2243:
2241:
2236:on 16 March 2016
2226:
2220:
2219:
2217:
2215:
2204:
2198:
2197:
2195:
2193:
2176:
2170:
2169:
2167:
2165:
2151:
2140:
2139:
2137:
2135:
2126:. Archived from
2113:
2107:
2106:
2104:
2102:
2085:
2079:
2078:
2076:
2074:
2057:
2051:
2050:
2039:
2033:
2032:
2030:
2028:
2013:
2007:
2006:
2004:
2002:
1993:. Archived from
1980:
1974:
1973:
1971:
1969:
1960:. Archived from
1950:
1944:
1943:
1932:
1926:
1925:
1923:
1921:
1906:
1900:
1899:
1897:
1895:
1886:. Archived from
1875:
1864:
1863:
1861:
1859:
1845:
1839:
1838:
1836:
1834:
1820:
1814:
1813:
1811:
1809:
1795:
1789:
1788:
1786:
1784:
1770:
1764:
1763:
1752:
1746:
1745:
1743:
1741:
1732:. Archived from
1726:
1720:
1719:
1717:
1715:
1701:
1695:
1694:
1692:
1690:
1676:
1670:
1669:
1667:
1665:
1651:
1645:
1644:
1642:
1640:
1626:
1620:
1619:
1617:
1615:
1601:
1595:
1594:
1592:
1590:
1576:
1570:
1569:
1567:
1565:
1551:
1545:
1544:
1533:
1527:
1526:
1524:
1522:
1507:
1501:
1500:
1498:
1496:
1481:
1475:
1474:
1472:
1470:
1455:
1449:
1448:
1446:
1444:
1435:. Archived from
1429:
1423:
1422:
1411:
1400:
1399:
1388:
1382:
1381:
1379:
1377:
1363:
1357:
1356:
1345:
1339:
1338:
1336:
1334:
1324:"MOH | MediSave"
1320:
1314:
1313:
1311:
1309:
1295:
1289:
1288:
1286:
1284:
1270:
1264:
1263:
1256:
1250:
1249:
1238:
1232:
1231:
1220:
1214:
1213:
1211:
1209:
1194:
1188:
1187:
1185:
1183:
1169:
1163:
1162:
1160:
1158:
1149:. Archived from
1143:
1137:
1136:
1134:
1132:
1117:
1111:
1110:
1109:on 16 June 2014.
1099:
1093:
1092:
1090:
1088:
1074:
1068:
1067:
1065:
1063:
1049:
1043:
1042:
1040:
1038:
1024:
1018:
1017:
1015:
1013:
999:
993:
992:
990:
988:
974:
968:
955:
949:
948:
946:
944:
935:. Archived from
933:"History of CPF"
929:
918:
917:
915:
913:
896:
890:
889:
887:
885:
871:
865:
864:
858:
856:
845:
839:
838:
836:
834:
820:
814:
813:
811:
809:
795:
789:
788:
786:
784:
769:
763:
762:
760:
758:
743:
588:Temasek Holdings
572:the Heart Truths
562:On 15 May 2014,
124:
121:
119:
117:
61:
59:
54:
51:1 July 1955
38:
31:
27:
3427:
3426:
3422:
3421:
3420:
3418:
3417:
3416:
3377:
3376:
3375:
3370:
3357:
3350:
3343:
3336:
3323:
3275:
3173:
3154:Sex trafficking
3149:Public holidays
3094:Eat Frozen Pork
3032:
2981:
2933:
2826:
2754:
2747:
2687:
2678:
2648:
2643:
2631:
2536:
2522:Sport Singapore
2437:JTC Corporation
2320:
2310:
2308:
2275:Wayback Machine
2259:
2258:
2255:
2250:
2249:
2239:
2237:
2228:
2227:
2223:
2213:
2211:
2205:
2201:
2191:
2189:
2178:
2177:
2173:
2163:
2161:
2153:
2152:
2143:
2133:
2131:
2114:
2110:
2100:
2098:
2086:
2082:
2072:
2070:
2058:
2054:
2047:www.ifaq.gov.sg
2041:
2040:
2036:
2026:
2024:
2023:on 4 March 2016
2015:
2014:
2010:
2000:
1998:
1981:
1977:
1967:
1965:
1952:
1951:
1947:
1940:www.ifaq.gov.sg
1934:
1933:
1929:
1919:
1917:
1907:
1903:
1893:
1891:
1876:
1867:
1857:
1855:
1847:
1846:
1842:
1832:
1830:
1822:
1821:
1817:
1807:
1805:
1797:
1796:
1792:
1782:
1780:
1772:
1771:
1767:
1754:
1753:
1749:
1739:
1737:
1728:
1727:
1723:
1713:
1711:
1703:
1702:
1698:
1688:
1686:
1678:
1677:
1673:
1663:
1661:
1653:
1652:
1648:
1638:
1636:
1628:
1627:
1623:
1613:
1611:
1603:
1602:
1598:
1588:
1586:
1578:
1577:
1573:
1563:
1561:
1553:
1552:
1548:
1535:
1534:
1530:
1520:
1518:
1509:
1508:
1504:
1494:
1492:
1482:
1478:
1468:
1466:
1465:on 12 July 2018
1457:
1456:
1452:
1442:
1440:
1431:
1430:
1426:
1413:
1412:
1403:
1390:
1389:
1385:
1375:
1373:
1365:
1364:
1360:
1347:
1346:
1342:
1332:
1330:
1322:
1321:
1317:
1307:
1305:
1297:
1296:
1292:
1282:
1280:
1272:
1271:
1267:
1262:. 20 July 2022.
1258:
1257:
1253:
1240:
1239:
1235:
1230:on 3 June 2014.
1222:
1221:
1217:
1207:
1205:
1195:
1191:
1181:
1179:
1171:
1170:
1166:
1156:
1154:
1153:on 14 July 2014
1145:
1144:
1140:
1130:
1128:
1118:
1114:
1101:
1100:
1096:
1086:
1084:
1082:www.swingvy.com
1076:
1075:
1071:
1061:
1059:
1051:
1050:
1046:
1036:
1034:
1026:
1025:
1021:
1011:
1009:
1001:
1000:
996:
986:
984:
976:
975:
971:
966:Wayback Machine
956:
952:
942:
940:
931:
930:
921:
911:
909:
898:
897:
893:
883:
881:
873:
872:
868:
854:
852:
847:
846:
842:
832:
830:
822:
821:
817:
807:
805:
797:
796:
792:
782:
780:
771:
770:
766:
756:
754:
745:
744:
740:
735:
686:
662:Social security
653:
580:Lee Hsien Loong
560:
555:
546:
527:
516:
479:
459:
457:Housing Schemes
450:
441:
439:Careshield Life
422:
417:
401:
399:Medishield Life
382:
377:
375:Medical Schemes
357:
344:
342:CPF Minimum Sum
339:
314:
305:
263:
258:
212:
190:statutory board
114:
96:
57:
55:
52:
43:Agency overview
24:
21:
12:
11:
5:
3425:
3415:
3414:
3409:
3404:
3399:
3394:
3389:
3372:
3371:
3369:
3368:
3363:
3356:
3355:
3348:
3341:
3333:
3332:
3329:
3328:
3325:
3324:
3322:
3321:
3316:
3311:
3306:
3301:
3296:
3291:
3285:
3283:
3277:
3276:
3274:
3273:
3268:
3263:
3258:
3253:
3248:
3243:
3242:
3241:
3236:
3226:
3225:
3224:
3214:
3209:
3204:
3199:
3194:
3189:
3183:
3181:
3175:
3174:
3172:
3171:
3166:
3161:
3156:
3151:
3146:
3144:Public housing
3141:
3136:
3131:
3126:
3121:
3116:
3111:
3106:
3101:
3096:
3091:
3086:
3081:
3076:
3071:
3066:
3061:
3056:
3050:
3044:
3038:
3037:
3034:
3033:
3031:
3030:
3025:
3020:
3015:
3010:
3005:
3000:
2995:
2990:
2985:
2977:
2972:
2967:
2962:
2957:
2951:
2945:
2939:
2938:
2935:
2934:
2932:
2931:
2926:
2921:
2916:
2911:
2910:
2909:
2899:
2894:
2889:
2888:
2887:
2885:Prime Minister
2882:
2872:
2867:
2862:
2857:
2856:
2855:
2844:
2838:
2832:
2831:
2828:
2827:
2825:
2824:
2819:
2814:
2809:
2807:Urban planning
2804:
2799:
2794:
2789:
2784:
2779:
2774:
2768:
2762:
2756:
2755:
2753:
2752:
2743:
2738:
2733:
2728:
2723:
2718:
2713:
2708:
2703:
2697:
2695:
2689:
2688:
2677:
2676:
2669:
2662:
2654:
2645:
2644:
2636:
2633:
2632:
2630:
2629:
2626:
2621:
2616:
2611:
2606:
2601:
2598:
2593:
2588:
2583:
2578:
2575:
2570:
2565:
2560:
2555:
2550:
2544:
2542:
2538:
2537:
2535:
2534:
2529:
2524:
2519:
2514:
2509:
2504:
2499:
2494:
2489:
2484:
2479:
2474:
2469:
2464:
2459:
2454:
2449:
2444:
2439:
2434:
2429:
2424:
2419:
2414:
2409:
2404:
2399:
2394:
2389:
2384:
2379:
2374:
2369:
2364:
2359:
2354:
2349:
2344:
2339:
2334:
2328:
2326:
2322:
2321:
2307:
2306:
2299:
2292:
2284:
2278:
2277:
2265:
2254:
2253:External links
2251:
2248:
2247:
2221:
2207:Lee, Min Kok.
2199:
2171:
2141:
2108:
2080:
2052:
2034:
2008:
1975:
1945:
1927:
1909:Han, Kirsten.
1901:
1865:
1853:www.cpf.gov.sg
1840:
1828:www.cpf.gov.sg
1815:
1803:www.cpf.gov.sg
1790:
1778:www.cpf.gov.sg
1765:
1747:
1721:
1709:www.cpf.gov.sg
1696:
1684:www.cpf.gov.sg
1671:
1659:www.cpf.gov.sg
1646:
1634:www.cpf.gov.sg
1621:
1609:www.mnd.gov.sg
1596:
1584:www.cpf.gov.sg
1571:
1559:www.cpf.gov.sg
1546:
1543:. 27 May 2018.
1528:
1517:on 4 July 2018
1502:
1476:
1450:
1424:
1419:www.moh.gov.sg
1401:
1383:
1371:www.moh.gov.sg
1358:
1353:www.moh.gov.sg
1340:
1328:www.moh.gov.sg
1315:
1303:www.cpf.gov.sg
1290:
1278:www.cpf.gov.sg
1265:
1251:
1233:
1215:
1189:
1177:www.cpf.gov.sg
1164:
1138:
1126:SGMoneyMatters
1112:
1094:
1069:
1044:
1032:www.cpf.gov.sg
1019:
1007:www.cpf.gov.sg
994:
982:www.cpf.gov.sg
969:
950:
919:
891:
879:www.cpf.gov.sg
866:
840:
815:
803:www.cpf.gov.sg
790:
764:
737:
736:
734:
731:
730:
729:
723:
718:
713:
708:
703:
698:
693:
685:
682:
681:
680:
675:
670:
664:
659:
652:
649:
611:Davinder Singh
570:" on his blog
559:
556:
554:
551:
545:
544:CPF Nomination
542:
541:
540:
537:
534:
526:
523:
515:
514:CPF Withdrawal
512:
500:Treasury Bills
492:Fixed Deposits
478:
475:
471:Public Housing
458:
455:
449:
446:
440:
437:
421:
418:
416:
413:
400:
397:
381:
378:
376:
373:
356:
353:
343:
340:
338:
335:
334:
333:
330:
327:
324:
321:
313:
310:
304:
301:
292:
291:
281:
278:
262:
259:
257:
254:
228:David Marshall
211:
208:
150:or simply the
134:
133:
130:
126:
125:
112:
108:
107:
102:
98:
97:
95:
94:
91:
87:
85:
81:
80:
77:
73:
72:
67:
63:
62:
49:
45:
44:
40:
39:
22:
9:
6:
4:
3:
2:
3424:
3413:
3412:Pension funds
3410:
3408:
3405:
3403:
3400:
3398:
3395:
3393:
3390:
3388:
3385:
3384:
3382:
3367:
3364:
3362:
3359:
3358:
3353:
3349:
3346:
3342:
3339:
3335:
3334:
3330:
3320:
3317:
3315:
3312:
3310:
3307:
3305:
3302:
3300:
3297:
3295:
3292:
3290:
3287:
3286:
3284:
3282:
3278:
3272:
3269:
3267:
3264:
3262:
3259:
3257:
3254:
3252:
3249:
3247:
3244:
3240:
3237:
3235:
3232:
3231:
3230:
3227:
3223:
3220:
3219:
3218:
3215:
3213:
3210:
3208:
3205:
3203:
3200:
3198:
3195:
3193:
3190:
3188:
3185:
3184:
3182:
3180:
3176:
3170:
3167:
3165:
3162:
3160:
3157:
3155:
3152:
3150:
3147:
3145:
3142:
3140:
3137:
3135:
3132:
3130:
3127:
3125:
3122:
3120:
3117:
3115:
3112:
3110:
3107:
3105:
3102:
3100:
3097:
3095:
3092:
3090:
3087:
3085:
3082:
3080:
3077:
3075:
3072:
3070:
3067:
3065:
3062:
3060:
3057:
3055:
3052:
3051:
3048:
3045:
3043:
3039:
3029:
3026:
3024:
3021:
3019:
3016:
3014:
3011:
3009:
3006:
3004:
3001:
2999:
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2892:Human rights
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728:(Hong Kong)
488:unit trusts
420:Eldershield
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3251:Mass media
3246:Literature
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2914:Parliament
2875:Government
2797:Reservoirs
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2164:8 November
2101:8 November
2073:8 November
2001:8 November
1968:8 November
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1894:8 November
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271:investment
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168:retirement
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3309:Lion head
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3261:Religion
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1087:29 April
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828:The Star
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380:Medisave
355:CPF Life
284:Medisave
256:Overview
230:via the
3338:Outline
3314:Merlion
3281:Symbols
3239:history
3234:culture
3202:Cuisine
3179:Culture
3159:Smoking
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3069:Driving
3042:Society
3023:Tourism
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2943:Economy
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2693:History
2325:current
2027:13 June
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