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Tax & CPF Strategies

How to earn 3.88% on your CPF-OA – Fixed Deposit / T-Bills a must...

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  Unless you’ve been living under a rock the past few month, you probably heard about the buy T-Bills with CPF-OA trick. CPF-OA pays 2.5%, so...

Why you should buy 12 month T-Bills with CPF-OA (instead of 6 month T-Bills)?...

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  Now there are only 4 12 month T-Bills available for auction in 2023. And the next one will be available on 20 April 2023. So those...

How to earn 4.00% interest on your CPF-OA money – T-Bills or Fixed Deposit...

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  I’m still getting quite a few questions on buying T-Bills with CPF-OA, so I wanted to pen this piece to get the information out...

Supplementary Retirement Scheme Guide – Should you top up your SRS account? What investments...

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  It’s that time of the year again! For those of you who are keen to top up your Supplementary Retirement Scheme (SRS) – don’t forget...

Complete Guide to Supplementary Retirement Scheme – When should you top up your SRS...

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  It’s that time of the year again! For those of you who are keen to top up your Supplementary Retirement Scheme (SRS) – don’t forget...

12 month T-Bills at 4% yield – NOT a good buy with CPF-OA? Compared...

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  Okay my apologies. I’ve been getting a flood of questions on whether it’s better to buy the 12 month or 6 month T-Bills using CPF-OA. I...

Maximizing CPF: Essential Tips for your 20s and 30s

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For Singaporeans and PRs, the Central Provident Fund (CPF) is one of the most important financial assets. It’s often overlooked in the hustle of our...

Last 1-Year T-Bills Auction for 2023 – Must buy for CPF-OA buyers? What is...

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  You may recall that there are only 4 1-year T-Bills issued each year. And it just so happens that the next 1-year T-Bills will be...

How to earn 3.84% yield on your CPF-OA – T-Bills a must buy with...

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  Unless you’ve been living under a rock the past few months, you’ve probably already heard of the “buy T-Bills with CPF-OA” trick. The logic goes...

Supplementary Retirement Scheme (SRS): Essential Tips for your 20s and 30s

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If you are in your 20s and 30s, mastering the Central Provident Fund (CPF) is one of the most important steps you can take...

Endowus CPF / SRS Review – How would I invest my CPF / SRS?

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  I’ve been getting a lot of questions about using Endowus to invest CPF and SRS funds, so I figured let’s do a deep dive. In...

CPF Special Account closed at age 55 now – How does this affect Singapore...

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  As you likely would have heard by now. DPM Lawrence Wong announced 2 big changes to CPF at last week’s budget. After which many Singapore investors...

Singapore Personal Income Tax Guide + Tax Rebate and Reliefs (2022)

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It's tax season again... >.<  Today's post provides an overview of personal income tax (with Budget 2022 updates) as well as personal income tax rebates...

Complete Guide to Supplementary Retirement Scheme for Singaporeans

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I was doing research on the Supplementary Retirement Scheme the past week, and I must say, the existing content out there is downright criminal. Given...

CPF Minimum Sum changes: Why I will not top up my CPF (and when...

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In my previous article on CPF, I made the argument that one should think carefully before making CPF topups because (1) CPF-SA money is...