by The Kopi Notes | Apr 21, 2026 | CPF
CPF Withdrawal Singapore 2026: Age 55 Rules, Limits & What You Can Actually Take Out Turning 55 is a major CPF milestone. For the first time, you can access money you have been locked out of since your first pay cheque. But the rules around CPF withdrawal are more...
by The Kopi Notes | Apr 14, 2026 | CPF
CPF Contribution Changes April 2026: Complete Guide for Singapore Workers From 1 January 2026, Singapore’s CPF contribution rates for senior workers aged 55–65 increased by 1.5 percentage points in total — employer rates up 0.5% and employee rates up 1%. The...
by The Kopi Notes | Apr 13, 2026 | CPF, Retirement Planning
CPF BHS 2026: Basic Healthcare Sum Raised to S$79,000 — What It Means for Your MediSave From 1 January 2026, the CPF Basic Healthcare Sum (BHS) increased to S$79,000 — up 4.6% from S$75,500 in 2025. Whether you are still building your MediSave or nearing retirement,...
by The Kopi Notes | Apr 12, 2026 | CPF, Retirement Planning
CPF Changes 2026: Everything Singapore Workers Need to Know From a higher Ordinary Wage ceiling to a new Basic Healthcare Sum and updated retirement sums — 2026 brings some of the biggest CPF policy shifts in years. Here’s what changed, what it means for your...
by The Kopi Notes | Mar 29, 2026 | CPF
CPF Investment Strategy 2026: How to Grow Your CPF-OA Beyond 2.5%Your CPF Ordinary Account (CPF-OA) earns a guaranteed 2.5% per year — but for Singaporeans willing to take on some investment risk, the CPF Investment Scheme (CPFIS) opens the door to potentially higher...
by The Kopi Notes | Jan 4, 2026 | CPF
Most Singaporeans know that the CPF Special Account (SA) is meant for retirement. Few realise just how powerful it can be when optimised correctly. When I finally sat down and ran the numbers — properly — the results honestly shocked me. Not because CPF is “amazing...
