This article is inspired by MR 15HWW‘s article on why he had never topped up his CPF yet. This article is full of very good rational reasons behind his motives.
There are many articles that talk about the pros, and the benefits one have gotten from topping up their CPF or their parents’. For the sake of a balanced article, do a google search, and you’ll get all the benefits.

Why I have never topped up my CPF?

1. Automation in place
My current employer ensures that my CPF is “topped up” automatically monthly for all three accounts (OA, SA and MA) from both my salary and from my company (thanks Ms CEO’s day job employer!). As long as I stay employed in such firms, this auto top- up stays.
 
2. Ideology
And this is my main reason.

Unlike Mr …