by The Kopi Notes | Oct 6, 2026 | Retirement Planning
TL;DR — CPF Top-Up 2026 SA (below 55): Top up with cash via RSTU up to the Full Retirement Sum ($220,400) minus your current balance. Earns 4% + extra interest. RA (55 and above): Top up RA via RSTU — up to FRS; or up to ERS ($440,800) if you want to maximise CPF LIFE...
by The Kopi Notes | Oct 4, 2026 | Retirement Planning
TL;DR — CPF Withdrawal at 55: Key Facts What happens at 55: Your Special Account (SA) closes and transfers into a new Retirement Account (RA), topped up by your Ordinary Account (OA) if needed — up to the required retirement sum. No property pledge: You must retain...
by The Kopi Notes | Oct 3, 2026 | Retirement Planning
TL;DR — MRSS 2026 at a Glance What you get: Dollar-for-dollar government matching on cash top-ups into your CPF Retirement Account (RA) — up to $2,000 per year. Lifetime cap: $20,000 in total government matching per eligible person. Who qualifies: Singapore Citizens...
by The Kopi Notes | Oct 2, 2026 | Retirement Planning
Silver Support Scheme Singapore 2026: Payouts, Eligibility & How to Check TL;DR — Silver Support Scheme 2026 Who: Singapore Citizens aged 65+ living in 1–5 room HDB flats with low lifetime CPF savings CPF threshold: Total CPF contributions by age 55 must not...
by The Kopi Notes | Oct 1, 2026 | Retirement Planning
TL;DR — SRS Tax Relief at a Glance (as at Sep 2026) SC/PR cap: $15,300/year into your SRS account (foreigners: $35,700) Tax relief: every dollar contributed reduces your chargeable income at your marginal rate Annual saving: $1,071 (at 7%) → $3,366 (at 22% for top...
by The Kopi Notes | Sep 30, 2026 | Retirement Planning
Singapore Savings Bond (SSB): Complete 2026 Guide — Rates, How to Buy & Whether It’s Worth It TL;DR — SSB Quick Facts (September 2026) What it is: A government-backed, retail savings bond issued monthly by MAS — zero credit risk, backed by...
