CPF Maximum

Hi anon,

1. You can top up SA with cash as long as you have not hit the prevailing FRS, and the maximum you can put will be the current FRS minus your existing balance. This limit is independent of CPF's annual limit from ordinary and additional wages (i.e. your salary)

2. However, only the first $7K will be eligible for tax relief. So it's a choice between reaching FRS faster, or enjoy tax relief for more years.

1. You can do RSTU (Retirement Sum Top Up) to your SA up to FRS ($186K this year) if below 55 or RA up to ERS ($279K this year) if above 55. This is a separate scheme and does't come under the Annual Limit of $37740.

2. You can RSTU a lump sum to your SA all the way to FRS.