I will only top up CPF when there are multiple incentives e.g.
Risk-free interest (especially SA's)
Additional 1% interest (because I just started working in 2019)
Significant tax relief
For housing, I prefer a longer loan to increase cash flow. But if I stay employed, my (+ husband's, don't know if can split the deduction) monthly CPF contributions can cover the instalment.
I will only top up CPF when there are multiple incentives e.g.
Risk-free interest (especially SA's)
Additional 1% interest (because I just started working in 2019)
Significant tax relief
For housing, I prefer a longer loan to increase cash flow. But if I stay employed, my (+ husband's, don't know if can split the deduction) monthly CPF contributions can cover the instalment.