Скачать или смотреть CPF Ultimate Guide: CPF Supercharging Strategy

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Supercharging your CPF can be a powerful strategy to maximise your savings, but it doesn’t last forever! In this video, I’ll explain:
✅ What CPF Supercharging is
✅ How it works & how to maximize it
✅ Why I lost my supercharging in 2025

For those aged 35 & below, the standard CPF allocation is:
🔹 23% OA | 🔹 6% SA | 🔹 8% MA (Total: 37%)

1️⃣ What is CPF Supercharging?
Supercharging reallocates MA contributions (which have a hard cap) to SA or OA, increasing their growth potential. This is a built-in CPF feature, not a loophole!
Still confused? Join my Telegram community for discussions!

2️⃣ How to Supercharge?
🔹 MA is the only moveable component (capped at $75,500 in 2025)
🔹 Once MA reaches the Basic Healthcare Sum (BHS), extra contributions get redirected:
✅ 1st Order: Fill up SA until Full Retirement Sum (FRS)
✅ 2nd Order: Once SA hits FRS, excess flows to OA

📌 Example for age 35 & below, based on 2025 salary ceiling ($7,400)
🔹 SA Contribution = 14% × $7,400 = $1,036
🔹 OA Contribution = 31% × $7,400 = $2,294
💡 OA can be used for property or investments!

3️⃣ Why No More Supercharging for Me?
❌ Supercharging only works when MA is maxed at BHS
❌ No more CPF cash top-ups in 2025 (no need for tax relief)
✅ My MA is below BHS now, so it’s back to slow charging at 8% per month

📺 Watch My Full CPF Strategy 2025 Video:    • My CPF Strategy for 2025 (New Medisave BHS)  

🔎 Conclusion: Should You Supercharge?
⚡ It’s a great strategy when you’re in your 20s & 30s
⚡ I’ve fully benefited from SA & OA supercharging, but now it’s time to adjust my CPF strategy
⚡ If you don’t need early CPF withdrawals, OA → SA transfer may be worth considering

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