Top-ups to your Special or Retirement Account will form part of your retirement sum. If you are on CPF LIFE, top-ups will increase your CPF LIFE monthly payouts. If you are not on CPF LIFE, top-ups will allow you to receive higher payouts or receive payouts for a longer time.

 

As such, top-up monies cannot be withdrawn as a lump sum, withdrawn from your Retirement Account savings using property, or transferred to your loved ones.

 

Additionally, top-up monies cannot be used for other CPF schemes, such as withdrawal for immediate retirement needs, withdrawal on exemption from setting aside a retirement sum, and other CPF schemes for education, investment, insurance, housing etc.