What will happen to my CPF-SA investments when my CPF-SA closes? (SG)

As of January 2025, CPF Special Accounts (CPF-SA) will be closed for members upon turning 55 — here’s what this means for your investments with Endowus.

Before your CPF-SA closure

  • 30 days before your 55th birthday: You will receive an email notifying you about the upcoming closure of your CPF-SA. 
  • 7 days before your 55th birthday: Your CPF-SA broker account with Endowus will automatically be closed. You will receive a notification email on the day of closure.
  • On your 55th birthday: Your CPF-SA will be closed.
     

After your CPF-SA broker account is closed

  • You may continue to hold your existing CPF-SA investments. There will not be any forced liquidation. 
  • You will no longer be able to make new investments using CPF-SA monies.
  • Any recurring investments linked to CPF-SA goals will be cancelled.
  • You can still modify existing goals, as this does not involve adding new funds.

Any redemption proceeds, rebates, or dividends from your existing CPF-SA investments will first be transferred to your Retirement Account (RA) up to your Full Retirement Sum (FRS). Any excess amount will then be credited to your Ordinary Account (OA).

 

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