RSTU compute to FRS?

I understand that top up via RSTU will not be counted for BRS at 55 yrs, but will be counted if opt for FRS. Assuming I have 150k cpf cont + 50k RSTU top up, I can only withdraw 150k - 66k(BRS) if opt BRS, but 200k-192k(FRS) if opt for FRS? Is my understanding correct? I read some said that RSTU not counted for FRS as well, and would like to clarify.

Thanks.

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Tan Choong Hwee

07 Feb 2022

Investor/Trader at Home

RSTU money and its earned interests would be reserved for RA and can't be withdrawn from RA.

For your example, assume the $50k includes RSTU amount and its earned interests, then $192k will be created in RA at 55th birthday, that $192k would consists of $50k RSTU plus $142k contribution money, leaving $8k behind in SA. You can freely withdraw the $8k in SA anytime after 55.

When you pledge property, the amount you can withdraw from RA would be:
RA Balance - BRS - RSTU = $192k - $96k - $50k = $46k.

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Wrong Sean

06 Feb 2022

Https://www.cpf.gov.sg/member/faq/growing-your-...

From what I understand, RSTU monies are reserved for your RA and cannot be withdrawn. The RSTU monies should constitute part of whatever RS you choose.

Any amount that is from your mandatory CPF contributions should be able to be withdrawn if above FRS or BRS with property pledge.