03/11/2026
Your CPF is quietly doing a lot of heavy lifting behind the scenes. Every month, contributions from you and your employer get split across three accounts, your Ordinary Account for housing and education, your Special Account for retirement, and your MediSave Account for healthcare. Small, consistent contributions today building into something meaningful tomorrow.
It is not just a savings scheme. It is your financial foundation for the three biggest things in life, a home, your health, and your retirement.
Here is a quick breakdown of what CPF actually covers:
✅ Housing, so you can own that HDB without draining your cash savings
✅ Healthcare, so a hospital bill does not derail your finances
✅ Retirement, so you get to live life on your own terms when the time comes
For most employees aged 55 and below, the total CPF contribution rate is 37%, with 20% from employers and 17% from employees, allocated across OA, SA, and MA at different rates.
Source: CPF Board, 2024
The numbers work in your favour. But only if you understand how to make the most of them.
Have you reviewed how your CPF fits into your overall financial plan lately? It might be time for a check-in. Drop us a message and let us have a conversation.
Disclaimer: https://vist.ly/5r5xy