You put in
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CPF interest
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Guaranteed
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Tax saved
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=
Worth at 65
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Every $1 in becomes – at 65
Year by year
One January top-up a year, not one big lump sum| Age | Year | You top up | Tax saved | Interest earned | Gain this year | Worth so far |
|---|
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Your January top-up
Tax-relievedAbove $8k cap
Show me the maths
Yearly compounding. Extra interest and bank interest ignored.
One-wayTop-ups stay in CPF.
$8,000 capRelief shared with SA/RA top-ups.
OverflowMediSave is full, so the top-up spills to SA/RA or OA.