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CPF what to do

guys ask ko lang advice nyo, bale pr ako, misis ko hindi. hindi ako makabili ng flat. san ko pwede gamitin ung OA (ordinary account)? or mas mabuti itransfer ko na lang lahat to SA (special account)?


  • @silverstar, depende po sa goals mo. Usually yung OA pwede gamitin sa mga sumusunod:

    1. Pangbili ng HDB. (Inde pa pwd kasi di pa pr si misis)
    2. Investing sa STI Exchange Traded Funds (ETFs) or CPFIS.
    3. Further studies or tuition ng mga anak mo sa poly or unis.
    4. Pangbayad sa mga approved insurances.
    5. Kung di talaga angkop sayo mga nasa taas, pwwede mo ilipat sa SA yung OA mo para mas mataas na interest.

    Take note lang po na di na po pwede ibalik sa OA yung natransfer sa SA.
  • ano naman po ung nabasa ko na retirement account sa cpf?
  • Pag naging 55 na taon ka na, yung OA + SA mo sa cpf magiging retirement account. Parang pension siya na may monthly allowance ka depende doon sa na save mo. Ang mahirap lang dito, pag 65 ka na saka lang magsisimula yung monthly mo. More info po sa link sa baba.

  • Hi Silverstar,

    I am a Financial Service Professional. I'll send you a PM. I can help you understand how you can use CPF to boost your hospitalization coverage, Buying HDB flat, to earning even more than what CPF provides for your retirement.
  • hi fsc,

    meaning po me workaround para makabili ako ng hdb flat? guaranteed po ba ung earnings na sinasabi nyo? more than 5%?
  • @silverstar, Yung dalawang points na sinasabi ni fsc ay:

    CPF to boost hospitalization coverage - Yan yung ISP (Integrated Shield Plan). Upgrade yung coverage mo. Yung medisave mo ang pwedeng ipangbayad sa premium.

    Yung pangalawa ay yung CPFIS (CPF Investment Scheme) - Lahat ng investment po di guranteed. May requirements din po bago ka maka invest ng CPF mo.

    Q. Who are eligible to participate under the CPF Investment Scheme (CPFIS)?

    A All CPF members who

    • are at least 18 years old;
    • are not undischarged bankrupts; and
    • have more than $20,000 in their Ordinary Account (for investment under CPFIS-OA) and/or more than $40,000 in their Special Account (for investment under CPFIS-SA).
  • ung 5% po ba ng CPF hindi guaranteed?
  • Eto po:

    Ordinary Account Up to 3.50% p.a.
    Special & Medisave Accounts Up to 5.00% p.a.

    The above interest rates include an extra 1% interest paid on the first $60,000 of a member’s combined balances (with up to $20,000 from the OA).

    Ibig sabihin po pag ang combined balances ay $60k at yung OA mo may at least $20k, may extra 1% bonus interest ka. Normal CPF interest kasi ay 2.5%(OA) at 4% (SA/MA).
  • mayron na po ba dito gumawa ng Ordinary Account-Special Account Savings Transfer?
  • @bobong kung wala ka pong planung gamitin yung OA mo (e.g. housing, education etc.), pwede mo itransfer sa SA para mas mataas na interest. Pwede mo gawin online. Ang problema nga lang, di mo na siya pwedeng ibalik sa OA. One way transfer lang pwede. Yung kaibigan ko, halos lahat ng OA nya naka transfer sa SA.
  • @bobong ako nakapagtransfer na ng some amount from OA to SA
  • trinansper ko na po lahat..tinodo ko na..hehehe..para makauwi na ng maaga...

  • @bobong Ayus, buti ka pa daming na transfer. Ako walang maitransfer. hehe ......
  • Di kasi eligible bumili ng hdb kaya naipon. Kung condo naman di kaya ng budget. Hahaha
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