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Anonymous

23 Oct 2025

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I'm currently in the 7% tax bracket after my tax deductibles. I'm torn between topping up to either CPF or SRS. I understand that 7% tax bracket is a very grey area, unlike the 3.5% or 11.5%

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Cryotosensei

5d ago

Blogger at diaperfinancingfund.blogspot.com

I top up SRS. At least it is tax-deferred

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Derek

24 Oct 2025

Depends on ur age

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1M45

23 Oct 2025

How much do u really save in tax when u choose to lock $8k into CPF / SRS?...

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Would like to check if I top up $7K to my CPF SA account, does it mean that I could only top up to $8.3K in SRS so that I max out $15.3K maximum contribution per SRS limit for tax deduction?

At what income bracket does it become worth topping up SA / SRS, to enjoy tax savings? I'm 26, earning $28,000 and paying tax of $160 a year – not sure if that's worth?

Should I top up 8k to my CPF and another 8k to my loved ones CPF to reduce income tax if my taxable income is at 240k? How about topping up 15.3k to SRS account to further reduce taxes? Please advise!

What's the best sequence for CPF tax relief? Medisave top up, CPF cash top up, SRS?

My current main investment mode is monthly investment plan in STI ETF. Topping up CPF SA seems likes an attractive option at 4% p.a. and tax relief. Is there ever a possibility of losing CPF money?

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