CPF LIFE

[egghead]

Caelitus already has the answer - top up your SA. At 35 this year and having $155,000 in his SA, and assuming he continues to contribute $400 per month to his SA, plus compounding at 4%, his SA will grow to $344k when he turns 55. That should outpace whatever MS adjustment.

I view this as a bond component of a retirement portfolio. Decent risk-free returns of 4% and 5% (on first S$40,000). I am 35 this year and aim to hit the minimum sum again by end 2014 by contributing under the minimum sum topping-up scheme. Reduces my assessable income for tax savings.