I would like to share with you an important issue I believe every Singaporean faces: What if I cannot hit my CPF Retirement Sum?

Answer: NOTHING HAPPENS!

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Do not worry. If you do not hit the Retirement Sum (FRS or BRS), there is no penalty involved.
You are also not required to top up the difference to CPF in the event you do not hit the Retirement Sum.
Yes! You are correct! It is not compulsory for you to hit your CPF Retirement Sum.

Whether you hit it or not, you would still draw a monthly payout from CPF when you reach your ...