today is the last day for topping up CPF/SRS and Jan 1 is the first day to top up again

[PNGMK]

In short the RA bonuses and interest are ring fenced from the ERS limit.

This is a 'special year' if you were at the old ERS, from next year the RSTU will be back to $10,500 or so I expect. This is also a special year in which you could, if you have the wherewithal, boost your total CPF by a full BRS amount in cash (rather than an OA > RA transfer).

If you're really keen to boost RA, you could theoretically (before mid Jan) pay in a full VC as well - that hits the SA which means it would go into your RA in mid Jan.

[NYY1]

In short the RA bonuses and interest are ring fenced from the ERS limit.

This is a 'special year' if you were at the old ERS, from next year the RSTU will be back to $10,500 or so I expect.

Sorry, for the part in bold you mean if/when you top up/transfer the maximum amount they allow, you'll be > $426k in the RA?

Just for planning purposes, the ERS for 2026 and 2027 is $440,800 (+$14,800) and $456,400 (+$15,600). The yearly delta is now two times the change in the FRS (instead of 1.5x).

[PNGMK]

Yes, I am already above $426k in my RA. ($483,522).

Thanks for the note on the ERS annual delta.

[PNGMK]

A final note on this being a special year. If I had decided to boost my CPF by cash for a full $117,000 I'd be able to hit the 1MM by end of 2025 (a year earlier) - this large potential for a cash injection into CPF is something for others with more liquidity to consider. Keep in mind policy risk.

[NYY1]

I guess it's a good outcome / start to the year.

Also, I don't think payroll or VC above age 55 will flow to the RA (like it does for the SA < age 55) if you are already at the FRS. I think the same is true for the sweep from the SA to the RA (when the SA is closed).

Check the PDF on the following page.
https://www.cpf.gov.sg/service/article/ ... s-for-2025

[PNGMK]

Thanks for the heads up.

I just did a test VC. Right now 40% still goes into SA. After SA disappears I'm not sure where it does. Probably OA if you are at ERS.