Shortly after the Singapore Budget 2024, CPF put out a short FAQ regarding some commonly asked questions and their responses. Out of all the responses, this response was quite intriguing to me: Math is quite unique in that if we exercise our brain power a little more, we can become clearer in something. But the math might not come naturally to us. We might not know that we can easily calculate something. I always wondered how much money in CPF Special Account (SA) we are discussing that CPF members can potentially shield so that they can have a High Yield Saving Account of 4% p.a. CPF stated here that 99% of members aged 55 and above today would have an equivalent of less than 4 times their cohort CPF Basic Retirement Sum (BRS), or the equivalent of two times their CPF Full Retirement Sum (FRS) in their CPF SA at 55. So with Shielding, members have roughly two four-percent per annum...