Asking a CPF Officer Your Burning Questions | CPF Explained

Описание: Confused about CPF? You’re not alone.

In this AMA-style episode, we sit down with The Daily Ketchup and our CPF officer, Tse Min, who has over 20 years of experience, to answer the most searched, most misunderstood and most debated CPF questions — from CPF withdrawal age, interest rates, and top-ups, to CPF LIFE, MediSave, and retirement planning in Singapore.

Whether you’re starting your first job, planning for a BTO or family, thinking about maximising your tax relief, or preparing for your future, this episode breaks down how CPF really works — clearly, honestly and without jargon.

What you’ll learn:

01:58 Does the CPF logo mean our money is locked up?
02:26 How is your CPF contribution set?
06:01 Are CPF funds locked?
10:27 How to access CPF services if you’re not tech-savvy?
14:35 What is CPF LIFE?
19:20 How to maximise your tax relief?
22:52 What happens if you don’t reach the Full Retirement Sum?
24:20 CPF interest rates explained
25:49 How is your money allocated across CPF Accounts?
27:11 How much CPF do you need to retire?
29:54 What calculators and planning tools can you use?
32:05 What happens to your CPF if you break up after getting a BTO?
33:37 Should you transfer funds from Ordinary Account to Special Account?
36:45 Can MediSave be used for baby hospital bills?
37:37 What are withdrawal caps?
40:36 Can you use MediSave for your in-laws’ hospital bills?
40:54 Lump sum vs monthly CPF LIFE payouts — which is better?

Subscribe to CPF Board’s YouTube channel for more clear, practical explanations on CPF, retirement planning, and plan with clarity: https://www.cpf.gov.sg/SubscribeYT