Top CPF Strategies For 2025

[@KelvinLearnsInvesting]

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[@R6ex]

Note that the shown Escalating Plan payout vs Standard Plan payout shows only matched monthly payout around 77 years old, but in terms of the total accumulated payout, you'll need to wait till about 88 years old before the true breakeven is reached i.e. total amount of $$ paid out is the same for both plans at this age. Thus, those choosing Escalating Plan better be confident of a long life; else boh hua!

[@stevefischer9336]

I have Schwab ok. Etrade pretty good and Interactive. They are ONLY good for low margin. Otherwise they totally suck Service is horrible - they forget to return messages - they have a bunch of authentications that do not work. I passed all the securities exams and have lots of experience with trading, Interactive also charges commission - they are the WORST. Stay away.

[@dovetofree]

topping up parents' retirement account will not boost their payout, it merely prolong the number of years they could drawn down from the retirement account. Amt received every mth with be roughly the same

[@GuanMinMax]

Thanks for sharing! Once you hit 55 yes the excess goes into the OA. But actually you can just withdraw it and then invest it. So the options are quite wide

[@stevefischer9336]

I have Schwab ok. Etrade pretty good and Interactive. They are ONLY good for low margin. Otherwise they totally suck Service is horrible - they forget to return messages - they have a bunch of authentications that do not work. I passed all the securities exams and have lots of experience with trading, Interactive also charges commission - they are the WORST. Stay away.

[@comic098]

Thank you for sharing 🙏🙏🙏

[@believe_it712]

Thanks Kelvin ! i am new to investing and hope to learn from you.

[@letgotothemoon8174]

Great 👍 What is the next best things to do after SA is max? SRS? Any previous KZbin video about this SRS to what we can invest?

[@kaliyaperumaldeepan85]

When will CPF allow transfer of OA to MA before age 55 as well. This is something CPF should consider haha

[@teoteckheong709]

After 55, tax relief on RSTU only up to FRS or ERS?

[@hex6593]

For someone >55 yo with RA already, would the balances in OA still be entitled to the 2% additional interest for first 20k? I think some old folks have Singtel dividends credited to OA.

[@sukhdeepsingh7322]

Is better to leave your money in the OA. Time after time it has been proven that Unit Trust is like giving your money free to the unqualified or fake financial advisors. Basically a sales person. The one like door to door salesmen. You find them in many banks. 😮😮😮

[@ECOSAM-SG]

While planning your CPF strategies for 2025, don’t forget the importance of supporting our local Singaporean small businesses! 🇸🇬💼 Every purchase helps grow our economy, create jobs, and build a resilient community. Let’s back our homegrown brands and make a difference together. Who’s with me? 🙌✨

[@PrayForSG]

Correct.

[@stevefischer9336]

@@PrayForSG I have Schwab ok. Etrade pretty good and Interactive. They are ONLY good for low margin. Otherwise they totally suck Service is horrible - they forget to return messages - they have a bunch of authentications that do not work. I passed all the securities exams and have lots of experience with trading, Interactive also charges commission - they are the WORST. Stay away.

[@seabreeze667]

Wow! 8000, 8000... seems like sporean are so rich, I'm the only one poor 😢

[@W2cd1]

It seems the Amundi fund is much better than the Lion Global due to the lower expenses ratio. Is there any reason people chose Lion Global? Thanks for your advice.

[@KelvinLearnsInvesting]

No reason. Just because Lion Global fund came out first, then Amundi only came out not too long ago

[@W2cd1]

@@KelvinLearnsInvesting Thanks Kelvin, I just changed my DCA from Lion Global to Amundi. 👍

[@kirnmamameeya]

Kelvin will you be doing your credit card strategy/best cards for 2025?

[@KelvinLearnsInvesting]

Yup! Coming soon

[@hex6593]

U forgot to mention, if your contribution is eligible for MRSS, no tax deduction will be given. So if parent get $2k matched by govt, your 8k top up to parent’s RA only gives 6k tax deduction. So can top up 10k. Interesting if 2 siblings both top up 8k, so who will get the lower tax deduction?

[@DogeMultiverse]

Commenting for the algorithm