You can continue to invest even after age 55, as long as you have set aside your Full Retirement Sum (FRS) in the Retirement Account (RA). The FRS can be set aside fully with cash, or with cash (i.e. at least the Basic Retirement Sum) and property. In addition, you will not be able to invest the first $20,000 in your Ordinary Account (OA). This requirement applies to all members, even if you are aged 55 and above and have set aside the FRS, due to the inherent risk associated with investments which applies across all age groups. If you are eligible to withdraw your CPF, you have the flexibility to withdraw your OA savings and invest as cash.

 

Upon reaching age 55, regardless whether you have set aside your FRS, you can continue to hold your existing investments under CPFIS-OA until you decide to sell them or when they mature.

 

Please also note that the stock and gold limits (PDF, 0.1MB) applicable to you may change.

 

Please refer to this FAQ for more information on how the retirement sum is set aside at age 55.

To check your available CPF amount for investment, you can:

As for CPFIS-SA, your Special Account (SA) will be closed from aged 55 and your SA savings will be credited to your RA to set aside the FRS, with remaining balance credited to your OA. You can continue to invest the transferred balances in your OA under CPFIS-OA.

 

Upon closure of your SA, if you have existing investments under CPFIS-SA, you can continue to hold your investments until you decide to sell them or when they mature.