People get confused sometimes what the CPF is supposed to do. We should be clear what each tool in personal finance is supposed to do for us. Don't be confused. C ... May I know how much should I top up my SA cpf by cash if I want to avoid paying tax? Assi AK You could do MS Top Up to your SA. Tax relief will be given for the first $7K of top up per year. C Thanks. Tax relief meaning the entire tax payment is waived or only partially waived? Assi AK Well, if you taxable income is $20K and you do MS Top Up of $7K, your taxable income becomes $13K. C Alright thanks. Most ordinary folks will not be taxed so much so I think there is no point in topping up. I would also like to learn investment. Where can I start? I am risk averse though......