CPF LIFE Explained: Everything You Need to Know (2025 Guide)

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⚠️Disclaimer⚠️
This video is NOT financial advice and it is as accurate as of 25th of July 2025
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Are you confused about how CPF LIFE works? In this video, I’ll break down everything you need to know in the simplest way possible — from what happens to your CPF savings when you turn 55, to how the Retirement Account is formed, and how CPF LIFE provides you with monthly payouts for life. I’ll also walk you through the three CPF LIFE plan options — Standard, Escalating, and Basic — and share how to decide which might suit you best based on your retirement goals.

We’ll also look at the latest Retirement Sums for 2025 to 2027, how much you can expect to receive in payouts depending on how much you’ve set aside, and whether it makes sense to top up your CPF for higher lifelong income (plus the tax benefits that come with it). If you’re approaching age 55, planning for your parents, or simply want to optimise your retirement planning, this guide will help make sense of CPF LIFE once and for all.

If you find the video helpful, please give it a thumbs up and consider subscribing to my channel for more content on personal finance, CPF, and smart money moves in Singapore.
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Table of Content
00:00 Introduction
00:50 What is CPF Life
01:10 The 3 CPF Life Plans
02:25 Retirement Sum : Basic Retirement Sum / Full Retirement Sum / Enhanced Retirement Sum
03:53 Payout Ages
04:20 Which CPF Life Plan is suitable for you?
05:22 Which CPF Life Plan would I Choose?
06:20 How much CPF Life payout will I get?
06:55 Should you top up CPF?
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My Goal is to use youtube as a platform to share my research on personal finance, stocks, unit trust, credit cards, side hustles etc with a Singaporean context. And I hope that my research blesses you in one way or another.
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👨 About Me 👨
Hi, my name is Darren and I’m from Singapore. In this channel, we will be talking about everything related to money in a Singaporean context.

If you are interested in growth and dividend stocks, options, unit trust and side hustles to earn passive income, then you have definitely come to the right place!

I certainly do not claim to be an expert in these topics but I do hope that through my research and sharing, I get to improve my knowledge everyday and be a blessing to you guys out there

Occasionally, I would cover news related to the current economy and share my personal thoughts as to where I feel would be a good place to park my money.

I had originally started this channel to focus on sharing my learnings and experiences in options trading as I feel that options are an excellent tool to allow one to profit in both a bull and bear market. However after some reflection, I will be pivoting from this focus to cover personal finance topics.

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