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Can I top up my retirement savings to the Enhanced Retirement Sum (ERS)?
If you are aged 55 or above, you have the option to top up your Retirement Account (RA) up to the current year’s Enhanced Retirement Sum (ERS) as retirement becomes an even higher priority.
If you are aged below 55, you can start building up more retirement savings by topping up your Special Account up to the current year’s Full Retirement Sum (FRS). Once you reach age 55, you can then choose to set aside more in your RA, up to the current year’s ERS.
You can check your top-up limit on your Retirement Dashboard.
This information is sourced from CPF.
Related questions
What are the retirement sums - Basic Retirement Sum (BRS), Full Retirement Sum (FRS) and Enhanced Retirement Sum (ERS)?
What is the change to the Enhanced Retirement Sum in 2026?
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How can I check the amount that I can top up to my Retirement Account to reach the raised Enhanced Retirement Sum in 2026?
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Why am I not able to top up my Special/Retirement Account beyond the current Full Retirement Sum (FRS) (below 55) or Enhanced Retirement Sum (ERS) (55 or above)?
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