Your special account (sa): your future self’s best friend
Your future self will thank you for this. ⋅ 3m read
06 Jun 2026
SOURCE: CPF Board
[addtoany]
Your SA has one job: making sure of the future you can retire without worrying about your necessities.
Here’s the Retirement Game Plan
- At age 55, your SA savings move to a new Retirement Account (RA)
- When you’re ready to retire and chill, the savings in your RA provide you with lifelong monthly income under CPF LIFE – they never stop, no matter how long you live
- More SA savings = more RA savings = bigger monthly income
Your SA grows with a base interest rate of 4% per year, with an additional 1% interest on the first $60,000 of combined CPF savings. With the magic of compound interest, your money grows exponentially while you’re busy living your best life.
FUN FACT
At 5% compound interest, your SA savings double every 14.5 years. Money you put in at 20 grows 8 times by your early 60s!
Your SA is working overtime so you can enjoy retirement instead of worrying about money.
The information provided in this article is accurate as of the date of publication.
You might also be interested in…
