I started serious Investing Journey in Jan 2000 to create wealth through long-term investing and short-term trading; but as from April 2013 my Journey in Investing has changed to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

Since 2017 after retiring from full-time job as employee; I am moving towards Investing Nirvana - Freehold Investment Income for Life investing strategy where 100% of investment income from portfolio investment is cashed out to support household expenses i.e. not a single cent of re-investing!

It is 57% (2017 to Aug 2022) to the Land of Investing Nirvana - Freehold Income for Life!

Click to email CW8888 or Email ID : jacobng1@gmail.com

Welcome to Ministry of Wealth!

This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

Think Investing as Tug of War - Read more? Click and scroll down

Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

Value Investing
Dividend/Income Investing
Technical Analysis and Charting
Stock Tips

Saturday, 18 June 2016

Top Up CPF SA From CPF OA? Depending On Who You Ask! (9)

Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (8)

To grow your CPF SA faster; two ways to do it ...

(1) Collect 1.5% more interests from Government by top up CPF SA from CPF OA.

(2) Get your employer to contribute more by focusing on your job through promotion, higher salary, and higher bonuses. Your employer's contribution to your CPF SA can help you to grow at faster rate than 1.5% from the Government and depending on your age group; your employer is helping you to top up your CPF SA from 2.8% to 3.7% for every dollar you earned from your job.

See for yourself ..


  1. Indeed the more you earn, the more your CPF contribution.

    However, there is a cap of CPF contribution. In the past, the cap is $5K and change to $6K at the beginning of 2016.

  2. Naughty fisherman ;)

    I like both of you. How?

    I'll put one feet closer to your side even though we have been at loggerheads since forever... LOL!


    I'm on the Earn More camp.

    Of course, if we want to be politically correct and be loved by everyone and anyone, I would do the cop-out thing by saying, "Do both!"

    The more interesting thing is after 55, our investments/cash flows not only have to beat inflation, we have to overcome the CPF "pay-cuts" :(


    My fearmongering powdeful?

    So must attend my 2 seconds seminar on how to get financially free before 55 with minimum money outlay and time employed!!!


    Buy $1 Toto quick-pick every draw. Max $2 per week; less than Starbucks coffee!

  3. Though cap at $6,000. Don't forget bonuses plays a part to CPF contribution and also once your CPF Medisave Account reach its limit at $49,500, the excess will go to your CPF SA.


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