Today, we would like to share with you an important issue we believe every Singaporean faces: What happens if I cannot hit my CPF Retirement Sum? Answer: NOTHING HAPPENS! Recommended Read: Answering the 2 Common CPF "Complaints" Seriously, Nothing Do not worry.  If you do not hit the Retirement Sum (FRS, BRS, or ERS), 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. You Still Get A Monthly Payout Whether you hit it or not, you would still draw a monthly payout from CPF when you reach your draw down age (age 65). You will just receive a lower money payout from CPF. Well, less money in Retirement Sum = Lower Monthly Payouts. Make sense...