Everyone knows that when you reach the age of 55, you need to set aside a sum of money in your CPF. You can start drawing That sum is known as Full Retirement Sum (FRS, previously known as Minimum Sum) MORE LINKS What is Full Retirement Sum(FRS)? What is Basic Retirement Sum (BRS)? Singapore Finance Minister on Personal Finance Singapore Growing ETF Choices Raising of Re-Employment Age to 67 How to Escape Minimum Sum? What you do not know is, there are fine prints to this. Withdrawal above Basic Retirement Sum (BRS) is only savings - aka money you contribute in via your salary or voluntary contribution. *BRS requires you to pledge your property to withdraw amount in excess of your BFS. Money that comes from the below options cannot be withdrawn no matter what 1) Interests earned from Retirement Account 2) Government Grants 3) RSTUS Top up Money However, ......