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32 minutes ago
I am following your blue print. I turn 55 next year
ReplyDelete:-)
DeleteWow wish I can also withdraw $24K interest every year.
ReplyDeleteI think I will start monthly drawing out on 2022 for next 23 yrs i.e. up to 88 yrs old at $1180 per month
ReplyDeleteBest withdrawal strategy if only we want to keep CPF SA principal intact to earn 4% ok interest for as long as possible.
ReplyDeletePeople are now using the Lorna Tan CPF SA shielding hack to preserve as much SA as possible after 55. LOL!!
ReplyDeleteThis works if your OA is large enough, so that all or most of your RA is funded from OA instead of SA.
A twist from the old days hack of preserving your OA instead of using it all before getting a HDB loan.
They love CPF. MIW love them back!
DeleteUncle, I am considering to top up cash $90K to ERS to have a higher consistent baseline income. My wife is 6 years younger. We would probably retire together in 2030 when I turn 65. Her CPFLife payout will kick in 2036. What do u think?
ReplyDeleteTreating CPF Life as consistent baseline for sustainable income for life is good consideration.
DeleteNO need to wait till 55 we want to draw as when we need
ReplyDeleteHmm .. one way is to be self-employed and lesser money will be locked in CPF till 55.
DeleteU yia Bo ? Next year I turn 55 ,, don't play play with my heart ok..I want my money back.
ReplyDeleteDum hav to thank the gahment...this is your own saving...nothing new in this article..all freely available on the cpf website...as long as u hav the minimum retirement sum with property pledge or the full retirement sum (around $180 000) in ur RA u could then withdraw ur OA+SA anytime upon reaching 55
ReplyDelete