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Prime Minister Lawrence Wong had previously announced this during this year鈥檚 Budget. 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text-gray-850 md:px-8">How will changes to the CPF Act affect your retirement savings? PHOTO: ADOBE STOCK</div></div></li></ul></div></div></div><div class="body-content tracking-tighter mb-6 mt-4 font-lucida text-lg font-medium leading-normal tracking-[-0.05625rem] text-gray-850 antialiased md:px-8 md:text-xl" data-testid="article-paragraphs-component"><div class="relative mb-4 md:mb-6"><div class="mb-4 md:mb-6" data-story-element="podcast_wrapper" data-testid="podcast-embed-component"><iframe class="border-none" src="https://omny.fm/shows/money-hacks-1/how-changes-to-cpf-act-impact-your-retirement-savi/embed?style=cover" width="100%" title="podcast-embed-title"></iframe></div><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">CHANGES to the Central Provident Fund (CPF) Act were passed in Parliament on October 14th, 2024, signalling the closure of the CPF Special Account (SA) for members aged 55 and above from the second half of January 2025. Prime Minister Lawrence Wong had previously announced this during this year鈥檚 Budget.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">In the latest episode of Money Hacks, a podcast from The Business Times, correspondent Howie Lim speaks with Christopher Tan, CEO of Providend, to garner his insights on the main changes to CPF provisions.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component"><b class="font-bold">Key changes in CPF provisions</b></p><div class="my-8 md:my-12 w-screen bg-gray-125 transition-all duration-300 border-gray-175 min-h-0 border-y-0 bg-none py-0" style="max-width:0px;margin-left:calc(-1*(0px - 100%) / 2 );height:0"><div data-component="component-container" class="container px-3 sticky top-[120px]"><div class="relative mx-auto w-full md:w-10/12 md:px-8 lg:w-8/12"><div class="text-center text-center" data-testid="advertisement-element"><div id="dfp-ad-imu1" class="adunit-component"></div></div></div></div></div><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">From 2025 onwards, CPF members above age 55 will no longer keep funds in their SA. Balances in the SA will be transferred to the Ordinary Account (OA), reducing the interest rate from at least 4 per cent in SA to 2.5 per cent in OA.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">CPF members aged 55 and above can top-up their CPF Retirement Account (RA) up to four times the Basic Retirement Sum (BRS), which translates to $426,000. For this year, the top-up limit is three times the BRS or $308,700.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component"><b class="font-bold">Understanding the impact</b></p><div class="py-10 md:-mx-8"><div class="mb-6 border border-gray-175 p-6 md:p-8"><div class="" data-component="generic-newsletter"><h5 class="mb-6 border-b border-gray-850 pb-2 !font-poppins text-base font-semibold uppercase leading-normal tracking-5% text-gray-850 md:text-lg">BT in your inbox</h5><div class="flex py-3 md:px-10 md:py-6"><img alt="Newsletter Img" class="hidden h-auto max-w-full self-start min-[321px]:block" width="75" height="75" src="/assets-web2/generic_newsletter-CGny2zps.png"/><div class="min-[321px]:pl-4 md:pl-6"><p role="description" class="mb-3 font-public-sans text-base font-light tracking-normal text-gray-850 md:text-lg">Start and end each day with the latest news stories and analyses delivered straight to your inbox.</p><div class="relative hidden w-full md:block md:w-4/5 lg:w-7/10 xl:w-6/10"><div class="relative"><button data-size="md" type="button" class="!outline-none focus-within:outline-none focus:outline-none outline-0 focus-within:outline-0 focus:outline-0 flex cursor-pointer items-center justify-center whitespace-nowrap rounded-full border border-solid border-gray-175 text-center !font-poppins text-gray-850 transition-all duration-150 hover:border-gray-850 data-[size=lg]:h-[68px] data-[size=md]:h-[42px] data-[size=sm]:h-[36px] font-semibold text-xs tracking-[0.02em] w-full min-w-[155px] bg-transparent px-0 py-0 hover:bg-transparent md:max-w-[155px]" data-rac="" id="react-aria-:Rmkmosodcscu5:">Sign Up</button></div></div></div></div><div class="relative block w-full md:hidden "><div class="relative"><button data-size="md" type="button" class="!outline-none focus-within:outline-none focus:outline-none outline-0 focus-within:outline-0 focus:outline-0 flex cursor-pointer items-center justify-center whitespace-nowrap rounded-full border border-solid border-gray-175 text-center !font-poppins text-gray-850 transition-all duration-150 hover:border-gray-850 data-[size=lg]:h-[68px] data-[size=md]:h-[42px] data-[size=sm]:h-[36px] font-semibold text-xs tracking-[0.02em] w-full min-w-[155px] bg-transparent px-0 py-0 hover:bg-transparent md:max-w-[155px]" data-rac="" id="react-aria-:R1emosodcscu5:">Sign Up</button></div></div></div></div></div><div class="w-screen bg-gray-125 transition-all duration-300 border-gray-175 min-h-0 border-y-0 bg-none py-0" style="max-width:0px;margin-left:calc(-1*(0px - 100%) / 2 );height:0"><div data-component="component-container" class="container px-3 sticky top-[120px]"><div class="relative mx-auto w-full md:w-10/12 md:px-8 lg:w-8/12"><div class="text-center text-center" data-testid="advertisement-element"><div id="dfp-ad-midarticlespecial" class="adunit-component my-8 md:my-12"></div></div></div></div></div><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">While some CPF members may be disheartened by these changes, Tan explains that these adjustments primarily affect the affluent or CPF-rich individuals. These are members who have significant CPF balances beyond what is necessary for the full retirement sum. The CPF system aims to ensure financial security for less affluent members, aligning with basic investment principles of higher returns requiring lower liquidity.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">One major reason for this change is to eliminate CPF Shielding, a practice where individuals invest their OA and SA funds in low-risk instruments just before turning 55 to retain higher interest rates and liquidity. With the elimination of CPF Shielding, post-55 SA balances will be shifted to the OA, ensuring a fairer system.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component"><b class="font-bold">Closing the loophole</b></p><div class="mb-6 mt-8 border border-gray-175 p-6 md:-mx-8 md:mt-0 md:p-8" data-testid="article-read-more"><div><div class="mb-6 border-b border-gray-850 pb-2 !font-poppins text-base font-semibold leading-normal tracking-5% text-gray-850 md:text-lg">SEE ALSO</div><div data-testid="section-article-read-more"><div class="mb-6" data-testid="article-read-more-items"><div data-testid="basic-card" data-cueid="5317030" class="relative flex flex-wrap items-start gap-4"><div class="relative flex order-1 flex-shrink-0 w-[70px] lg:w-[90px]"><div class="flex items-center justify-center bg-gray-250 w-full"><div class="w-full" style="position:relative"><a rel="noopener" href="/podcasts/bt-money-hacks-fed-cuts-rates-again-whats-next-investors" target="_blank"><picture><source media="(min-width: 992px)" srcSet="https://cassette.sphdigital.com.sg/image/businesstimes/7ea2e4fbd637267350f67372d31bf8bde828045e876f70d3c9c580944eaa02e8?w=180&h=120&dpr=1&f=webp 1x"/><source media="(min-width: 768px)" srcSet="https://cassette.sphdigital.com.sg/image/businesstimes/7ea2e4fbd637267350f67372d31bf8bde828045e876f70d3c9c580944eaa02e8?w=140&h=100&dpr=1&f=webp 1x"/><source srcSet="https://cassette.sphdigital.com.sg/image/businesstimes/7ea2e4fbd637267350f67372d31bf8bde828045e876f70d3c9c580944eaa02e8?w=300&h=200&dpr=1&f=webp 1x"/><img src="https://cassette.sphdigital.com.sg/image/businesstimes/7ea2e4fbd637267350f67372d31bf8bde828045e876f70d3c9c580944eaa02e8?q=20&w=3&h=2&f=webp" loading="lazy" alt="Will the new President impact Fed rates in the near term?" class="w-full aspect-3x2"/></picture></a></div></div></div><div class="flex flex-grow flex-col w-full-120px lg:w-2/3 order-2 text-white"><h3 class="_title_d4ajx_12 !text-base my-0 leading-[1.3rem] tracking-normal !font-lct" data-testid="title_link_5317030"><a class="inherit word-break hover:underline !text-gray-850" rel="noopener" title="BT Money Hacks: Fed cuts rates again - what鈥檚 next for investors?" href="/podcasts/bt-money-hacks-fed-cuts-rates-again-whats-next-investors" target="_blank">BT Money Hacks: Fed cuts rates again - what鈥檚 next for investors?</a></h3></div></div></div><div class="mb-6" data-testid="article-read-more-items"><div data-testid="basic-card" data-cueid="5284537" class="relative flex flex-wrap items-start gap-4"><div class="relative flex order-1 flex-shrink-0 w-[70px] lg:w-[90px]"><div class="flex items-center justify-center bg-gray-250 w-full"><div class="w-full" style="position:relative"><a rel="noopener" href="/podcasts/bt-money-hacks-smart-investment-tips-asian-fixed-income-market" target="_blank"><picture><source media="(min-width: 992px)" srcSet="https://cassette.sphdigital.com.sg/image/businesstimes/f0ff895f6ef0f6f8be01d3d24f8483e5641721bcf3bc3a43286483576edefdf7?w=180&h=120&dpr=1&f=webp 1x"/><source media="(min-width: 768px)" srcSet="https://cassette.sphdigital.com.sg/image/businesstimes/f0ff895f6ef0f6f8be01d3d24f8483e5641721bcf3bc3a43286483576edefdf7?w=140&h=100&dpr=1&f=webp 1x"/><source srcSet="https://cassette.sphdigital.com.sg/image/businesstimes/f0ff895f6ef0f6f8be01d3d24f8483e5641721bcf3bc3a43286483576edefdf7?w=300&h=200&dpr=1&f=webp 1x"/><img src="https://cassette.sphdigital.com.sg/image/businesstimes/f0ff895f6ef0f6f8be01d3d24f8483e5641721bcf3bc3a43286483576edefdf7?q=20&w=3&h=2&f=webp" loading="lazy" alt="It is the golden age of fixed income globally, according to Navin Saigal of BlackRock." class="w-full aspect-3x2"/></picture></a></div></div></div><div class="flex flex-grow flex-col w-full-120px lg:w-2/3 order-2 text-white"><h3 class="_title_d4ajx_12 !text-base my-0 leading-[1.3rem] tracking-normal !font-lct" data-testid="title_link_5284537"><a class="inherit word-break hover:underline !text-gray-850" rel="noopener" title="BT Money Hacks: Smart investment tips for the Asian fixed income market" href="/podcasts/bt-money-hacks-smart-investment-tips-asian-fixed-income-market" target="_blank">BT Money Hacks: Smart investment tips for the Asian fixed income market</a></h3></div></div></div><div class="mb-6" data-testid="article-read-more-items"><div data-testid="basic-card" data-cueid="3027128" class="relative flex flex-wrap items-start gap-4"><div class="relative flex order-1 flex-shrink-0 w-[70px] lg:w-[90px]"><div class="flex items-center justify-center bg-gray-250 w-full"><div class="w-full" style="position:relative"><a rel="noopener" href="/singapore/economy-policy/budget-2024-cpf-changes-senior-workers-include-special-account-closure" target="_blank"><picture><source media="(min-width: 992px)" srcSet="https://d2kxlefydm4hr1.cloudfront.net/image/businesstimes/0a78e0b2c4a6c0428c6986a8c3a4f24b48c90c4ff060387bacfe0e38a890005a?w=180&h=120&dpr=1&f=webp 1x"/><source media="(min-width: 768px)" srcSet="https://d2kxlefydm4hr1.cloudfront.net/image/businesstimes/0a78e0b2c4a6c0428c6986a8c3a4f24b48c90c4ff060387bacfe0e38a890005a?w=140&h=100&dpr=1&f=webp 1x"/><source srcSet="https://d2kxlefydm4hr1.cloudfront.net/image/businesstimes/0a78e0b2c4a6c0428c6986a8c3a4f24b48c90c4ff060387bacfe0e38a890005a?w=300&h=200&dpr=1&f=webp 1x"/><img src="https://d2kxlefydm4hr1.cloudfront.net/image/businesstimes/0a78e0b2c4a6c0428c6986a8c3a4f24b48c90c4ff060387bacfe0e38a890005a?q=20&w=3&h=2&f=webp" loading="lazy" alt="For CPF members who are 55 and above in 2025, their special accounts will be closed, with the savings transferring to retirement account up to the Full Retirement Sum." class="w-full aspect-3x2"/></picture></a></div></div></div><div class="flex flex-grow flex-col w-full-120px lg:w-2/3 order-2 text-white"><h3 class="_title_d4ajx_12 !text-base my-0 leading-[1.3rem] tracking-normal !font-lct" data-testid="title_link_3027128"><a class="inherit word-break hover:underline !text-gray-850" rel="noopener" title="Budget 2024: CPF changes for senior workers include Special Account closure, higher Enhanced Retirement Sum" href="/singapore/economy-policy/budget-2024-cpf-changes-senior-workers-include-special-account-closure" target="_blank">Budget 2024: CPF changes for senior workers include Special Account closure, higher Enhanced Retirement Sum</a></h3></div></div></div></div></div></div><div class="my-8 md:my-12 w-screen bg-gray-125 transition-all duration-300 border-gray-175 min-h-0 border-y-0 bg-none py-0" style="max-width:0px;margin-left:calc(-1*(0px - 100%) / 2 );height:0"><div data-component="component-container" class="container px-3 sticky top-[120px]"><div class="mx-auto w-full md:w-10/12 md:px-8 lg:w-8/12"><div class="text-center text-center" data-testid="advertisement-element"><div id="dfp-ad-imu2" class="adunit-component"></div></div></div></div></div><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">From the government鈥檚 perspective, closing the SA at age 55 serves two purposes. First, it aligns with the CPF鈥檚 primary objective of retirement savings. Allowing post-55 SA balances with full liquidity contradicts this objective. Second, it adheres to investment principles: higher returns come with lower liquidity and vice versa.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">CPF remains a robust financial product with a guaranteed return. For younger members, topping up the SA to the full retirement sum ensures better retirement adequacy. The Housing Refund Scheme also provides opportunities for OA top-ups, a viable option for those with ready cash.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component"><b class="font-bold">Looking ahead</b></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">While CPF changes may seem daunting, they reinforce the CPF鈥檚 primary objective of securing retirement savings based on fair and sound investment principles. Listen to the full episode for insights to navigate these changes effectively.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Don鈥檛 just stop at this episode. Each episode of Money Hacks offers something unique, from financial tips to personal empowerment and beyond. Howie Lim, along with a range of experts, ensure every episode is packed with quality content tailored to help you on your financial journey.聽</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Please share this podcast with friends and family, follow us on social media, and leave a review to help others discover the treasure trove of knowledge in Money Hacks. Happy listening!</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">For more episodes, go to <a href="https://bt.sg/moneyhacks/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/moneyhacks</u></a> and if you have feedback or an episode idea, please get in touch at <u>btpodcasts@sph.com.sg</u>.</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">---</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Written and hosted by: Howie Lim (howielim@sph.com.sg)</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">With Christopher Tan, CEO, Providend</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Edited by: Howie Lim & Claressa Monteiro</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Produced by: Howie Lim</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Engineered by: Chai Pei Chieh</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">A podcast by BT Podcasts, <i>The Business Times</i>, SPH Media</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">---</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Follow BT Money Hacks podcasts every Monday:</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Channel: <a href="https://bt.sg/btmoneyhacks/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/btmoneyhacks</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Amazon: <a href="https://bt.sg/mham/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/mham</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Apple Podcasts: <a href="https://bt.sg/oeXe/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/oeXe</u></a>聽</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Spotify: <a href="https://bt.sg/oeGN/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/oeGN</u></a>聽</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">YouTube Music: <a href="https://bt.sg/mhyt/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/mhyt</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Website: <a href="https://bt.sg/moneyhacks/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/moneyhacks</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party鈥檚 products and services. Please consult professional advisors for independent advice.聽</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">---</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">Discover more BT podcast series:</p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">BT Correspondents: <a href="https://bt.sg/btcobt" target="_blank" rel="noopener noreferrer nofollow">bt.sg/btcobt</a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">BT Market Focus at: <a href="https://bt.sg/btmktfocus/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/btmktfocus</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">BT Podcasts at: <a href="https://bt.sg/pcOM/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/pcOM</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">BT Branded Podcasts at : <a href="https://bt.sg/brpod/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/brpod</u></a></p><p class="mb-4 md:mb-6 leading-8 -tracking-5%" data-story-element="paragraph" data-testid="paragraph-component">BT Lens On: <a href="https://bt.sg/btlenson/" target="_blank" rel="noopener noreferrer nofollow"><u>bt.sg/btlenson</u></a></p></div><div class="mb-6 border-t border-gray-175"><section class="mx-auto my-4 w-full" data-testid="article-purchase-link-component"><section class="mx-auto flex w-full flex-wrap items-center justify-between gap-4 lg:gap-0 lg:px-3" data-testid="article-purchase-link-version-2-component"><p class="mb-0 font-public-sans text-xs tracking-normal">Copyright The Business Times. All rights reserved.</p><div class="flex flex-wrap"><a class="!outline-none focus-within:outline-none focus:outline-none outline-0 focus-within:outline-0 focus:outline-0 flex cursor-pointer items-center justify-center whitespace-nowrap rounded-full border border-solid border-gray-175 text-center !font-poppins text-gray-850 transition-all duration-150 hover:border-gray-850 data-[size=lg]:h-[68px] data-[size=md]:h-[42px] data-[size=sm]:h-[36px] font-semibold text-xs tracking-[0.02em] w-fit-content mb-4 mr-4 px-6 !text-gray-850 !no-underline xs:mb-0" href="https://newspost.newslink.sg/?publication=BT&title=BT%20Money%20Hacks%3A%20How%20changes%20to%20CPF%20Act%20impact%20your%20retirement%20savings&date=2024-11-17T21%3A00%3A00.000Z" target="_blank" rel="noreferrer" referrerPolicy="strict-origin-when-cross-origin" data-testid="link-button-undefined" data-size="md">Purchase Article</a><a class="!outline-none focus-within:outline-none focus:outline-none outline-0 focus-within:outline-0 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