How much should I contribute voluntarily to my CPF?

There's no estimation on the CPF guide, but the closest would probably be 37% of your income, split into the 3 accounts (OA, SA and MA) is you're self employed since that's the contribution set for employees (20% of the income and 17% from the employers).

Are you planning to top up for retirement purpose?

To pay for housing/kids education? (Btw, you can't top up to only your OA account)

But like what Elijah and Chong Hwee has mentioned, there's a cap to how much you can put in as well.​​​

Hi anon,

Your question is rather broad and it is quite subject to individual circumstances.

Regardless of how much you intent to contribute, know that you are capped by the annual limit of $37740/yr if you are doing MA contributions or 3 account contributions. If you contribute to SA via RSTU, you will be capped by the prevailing FRS of that year.

In general, monies that are put in CPF can't be 'seen' or 'touched' till 55 at least. Thus, put what you are willing to part with, knowing that CPF can act as a 'bond' component of your overal portfolio.

I personally contribute myself (as a self employed, no one is going to contribute for me), and I am fully aware that I won't be able to touch the money for a long time. However, given the attractiveness of the risk-free rates in CPF, I ensure that I contribute what I can, while retaining sufficient cash for day to day needs as well as short to mid term goals.