Is the Enhanced Retirement Sum becoming unrealistic for average Singaporeans?

Honestly are the Seedly Rewards still available for redemption?
such a disappointment

The Enhanced Retirement Sum (ERS) was never designed for the average salaried worker.

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It is strictly a voluntary option for high-income earners who are willing to commit more capital into the CPF system.

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While the average worker is meant to hit the FRS, the ERS is simply a luxury target.

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You don't need to over-fund a government annuity to win the game; you just need to know exactly what role each bucket plays in your roadmap