($7,400 - $1,600) Voluntary cash contribution to his Medisave Account (VC-MA) $5,000. Wage earners who are not sure how to invest their money or are risk averse may consider topping up their CPF as a good investment option. It is the time of the year to pay income tax. Found inside – Page 41Such contributions through the CPF or POSB GIRO to MENDAKI totalled S$1.9 ... other welfare societies" in Singapore which depend on voluntary contributions. For a self-employed person (SEP), CPF contributions are voluntary, while Medisave contributions are compulsory. The current CPF Annual limit is $37,740. Employers may also make voluntary CPF contributions to an employee's CPF account. Found inside – Page 585First , Singaporeans and PRS make voluntary CPF contributions to top up their mandatory CPF contributions up to a ceiling of $ 25,245 per year . Voluntary contributions to CPF. Follow us on Facebook and Telegram for the latest investing news and analyses! The current CPF Annual Limit, which is the maximum amount of mandatory and voluntary contributions you can make into CPF, is $37,740 based on the Ordinary and Additional Wage Ceiling on CPF. You should evaluate whether you would benefit from tax relief on your voluntary CPF contributions and make an informed decision accordingly. To qualify for this relief, your compulsory employee CPF contribution or voluntary self-employed Medisave/ voluntary CPF contributions and Medisave contributions must be less than $5,000. Alex has made a mandatory contribution of $30,000 for the year, which means he can still earn tax relief of up to $7,700 if he makes a voluntary contribution to his CPF. All their lives after is just trying to get back in! The maximum amount of mandatory and voluntary contributions that a person (employee or self-employed person) can make in a calendar year is subject to the CPF Annual Limit. Step 4: Go to the "2. While many articles may have already discussed the pros and cons of making contributions to our CPF accounts . Taxable. 3: Contributions made from 1 Jan 2004 relating to employment outside Singapore. You will need to first calculate the difference between the CPF Annual Limit of $37,740 and your man. We can always make use of the Voluntary Housing Refund to pour more funds into our CPF to earn the very stable 2.5% return per annum. All the details you need about this stock is inside our FREE report, 8 Singapore Stocks for Your Retirement Portfolio. There will be no refund for accepted voluntary CPF contributions. The next thing we have to note is that there is an Annual Limit of $37,740 for our CPF Mandatory Contributions and Voluntary Contributions. Accordingly, any information provided on this site is meant purely for informational and investor educational purposes and should not be relied upon as financial advice. $8,000. Invest in an index fund will provide better returns in the long run if your tax residency is not in singapore (but with higher risk of course) level 2. gaz2468. Content. Here are the pros and cons of making voluntary CPF top-ups in 2020. All Rights Reserved. Found inside – Page 70-154With effect from 18 February 2005 , the CPF voluntary contribution cap will be raised ... tax relief on the voluntary contributions made by self - employed ... 13. Found inside – Page 107... compensation payment, retrenchment benefit, excess/voluntary contributions to CPF, gains or profits from share options and value of benefits-in-kind. For each dollar that you top up, you will reduce your taxable income by the same amount. Found inside – Page 14From 1 January 1999 , CPF contributions by a foreign employee or his employer , made voluntarily or under contracts of employment , will no longer be tax ... Found inside – Page 35The CPF is an employment based savings scheme with employers and employees ... No contribution, whether mandatory or voluntary, will go into this account. What is the voluntary top-up limit to my three CPF Accounts? In this first article, I will describe the arguments for topping up, and in the second, I will look at reasons why topping up may not be such a good idea. At Manage Records & Particulars, select View / Amend / Delete Submission Click on the Submission Date to view the Contribution details. Your session will be terminated soon. Accordingly, any statement of opinion on this site is wholly generic and not tailored to take into account the personal needs and unique circumstances of any reader. Firstly, topping up your CPF helps to increase your nest egg for the future by setting aside more money, which you can access when you retire. But, there are also disadvantages relating to such top ups. To do so, log into the my cpf online service and select "My Requests > Self-Employed Matters > Make / Cancel voluntary contributions to My CPF Accounts". save. Of course, we can also make Voluntary Contributions (VC) each year, but this is capped at $37,740 inclusive of our CPF contributions from work. CPF contributions on the Ordinary and Additional Wages for employees; MediSave contributions by self-employed persons; The amount that you can contribute to your CPF OA via a Voluntary Contribution is the difference between these 2 amounts. 4-min read. Found inside – Page 166Additional voluntary contributions are possible , up to a maximum The maximum ... Note : Central Provident Fund ( CPF ) operates four types of individual ... To make the voluntary contribution, you first have to apply to make voluntary contributions to your CPF accounts. The ordinary CPF contribution of employer and employee depends on the total wages of the employee, and the employee's age and the corresponding age group, and the contribution rates during the fiscal year. Those who are willing and able to do both contributions and top ups will get the maximum benefit. Found inside – Page 564.15 MULTIFACTOR PRODUCTIVITY : CONTRIBUTIONS TO GROWTH IN REAL GDP 2001 2006 2007 ... self - employed persons who have made voluntary CPF contributions . Voluntary CPF contributions. You can choose to make Voluntary Contributions (VC) to your employees' three CPF Accounts or to their MediSave Account only. Withdrawal Age And Amount That's right, you can only start withdrawing your CPF monies when you are 55 years old. The maximum amount of CPF contributions that can be credited to an individual's account in a year. From 2011, the CPF Annual Limit is $30,600. Found inside – Page 154Salient Features of CPF The CPF is a classic defined contribution (DB) scheme ... the scheme and may participate in the overall scheme on a voluntary basis. Is CPF contribution payable on the employee's share of CPF contribution (which is part of his gross wages) if employer chooses not to recover it from the employee's wages? Here is a detailed explanation of the CPF Medisave Account and the pros and cons of making a voluntary contribution to MA. I use the OCBC savings goal to do auto-saving / set aside or accruing for future expenses. Press Esc to cancel. 17 months x $6,000 x 37%) and within the basic healthcare sum, that is specifically directed by you to be paid to your own Medisave Account. Click 'OK' to continue or 'Cancel' to Logout. Read more: All You Need To Know About Central Provident Fund (CPF): Interest Rates, Contributions And More Setting this system up is akin to a regular savings plan where you make periodic additions to grow your pot of CPF money. From 2016, the CPF Annual Limit is $37,740. The CPF Annual Limit is the maximum amount of mandatory and voluntary contributions to all three CPF Accounts that a CPF member can receive in a calendar year. Voluntary Contributions. This article will explore the benefits of voluntary contribution but mainly why there are reasons not to do it as well. Thursday, January 2, 2014. Voluntary Contributions (VC) are unlike Mandatory Contributions (MC), which are required under the CPF Act. Found inside – Page 170... S $ m Year Gross national saving Govt revenue Govt Govt expenditure surplus Pte saving CPF contribution Voluntary saving ( 1 ) ( 2 ) ( 3 ) ( 4 ) = ( 2-3 ) ... The excess contribution above the CPF Annual Limit will be refunded without interest from your voluntary contribution payment. We found a stock with 83% YOY growth and a 70% payout ratio. What are the service standards for processing voluntary top-ups to my three CPF Accounts or MediSave Account? have . Such voluntary contribution . Compulsory Medisave contribution as a self-employed person. Contributions (voluntary + mandatory) cannot exceed the CPF annual contribution limit. No information is presented with the intention to induce any reader to buy, sell, or hold a particular investment product or class of investment products. This means that if an employee's monthly salary is $5,000, his/her AW ceiling will be: $102,000 - ($5,000 x 12) = $42,000. I top up my mum's CPF account last year $7K max. Found inside – Page 507G. Voluntary contributions to CPF C. Rebates on HDB service and ... In recognition of this group's contribution to the economy the government will grant ... I am starting the year with moves to improve financial security for me and my dad. Please adjust the width of your browser or use a desktop machine for a better web experience.Thank you. Which CPF LIFE Plan is better between Basic and Standard? Here are the pros and cons of making voluntary CPF top-ups in 2020. This means our we have to make CPF contributions on our Additional Wages, up to this cap, if we are able to do so. Percentage of contributions differ based on income level and age. Found inside – Page 482Self-employed individuals are not required to make CPF contributions, ... may claim a tax relief for obligatory and voluntary contributions made to their ... In 2020, there was a surge in the number of Central Provident Fund (CPF) members who made voluntary housing refunds to their CPF.. Jul 20, 2021. However, the maximum tax relief you can claim is S$7,000 for your own CPF account and another S$7,000 to a family member’s CPF account, for a total of S$14,000. We found a stock with 83% YOY growth and a 70% payout ratio. There are many aspects to consider before you voluntarily top up your CPF account. CPF Ordinary Wage Ceiling The income I received from REITs and listed company has already been taxed at source. The deduction uses an Amount calculation rule, where the amount is calculated through a formula CPF FM VOL PAYEE. Registering as an Employer and Knowing your Responsibilities, Contributions to Self-Help Groups (SHGs) and SHARE Donations, Adjustment and Refund of CPF Contributions, Voluntary Contributions for your Employees, Declaring Accurate Wage Information During CPF Submission, CPF Compliance and Enforcement of CPF Contributions. For that, I got ~$200 tax relief and CPF transferred money to her bank account monthly for 2 years ~ $297/mth. You can print a copy of the CPF contribution details by following these steps: Select CPF EZPay Select For UEN-registered entities or For individuals trading under own name and login with your Singpass. Found inside – Page 192RAISING CPF CONTRIBUTION RATES FOR OLDER WORKERS In recent years, ... To promote voluntary re-employment of older workers, we will provide Global Business ... Currently it is $31,450 a year. Is there an age limit beyond which it would be acceptable? Max Voluntary Contribution = CPF Annual Limit - Mandatory Contributions For instance, the highest tax bracket is 22% of your income, which is sizable. The voluntary contributions will be apportioned and credited to your Ordinary, Special and MediSave accounts based on the CPF allocation rates expressed as ratios of contribution. This will be split into two articles. Assume you have annual income of S$300,000. Hence, you should evaluate whether you would benefit from tax relief on your voluntary CPF contributions and make an informed decision accordingly. This cap applies to the total amount of all tax reliefs claimed, including any relief on compulsory/ voluntary CPF contributions made on or after 1 Jan 2017. Found inside – Page 141Where your total wages exceed $100,000, no further contribution is allowed on your net ... retrenchment benefit, excess/voluntary contributions to CPF, ... This US$300 billion SaaS Giant Just Entered the Payment Industry, Investing For Your Children Will be Your Best Ever Decision, SGX May See its First SPAC Listing in the Coming Weeks: What Investors Should Know. Voluntary contribution. Found inside – Page 276Example ( Mr C ) Compulsory contributions to CPF Voluntary contributions to CPF $ 5,000 $ 4,000 Mr C's compulsory CPF contributions of $ 5,000 are below ... Any VC you made in excess of the CPF Annual Limit will be refunded without interest. So you can look at your CPF transactions to check. This means that the money you save by not paying tax is growing each year, multiplying the effects of your tax savings. In light of this, I have decided to discuss the arguments for and against voluntary topping up of your CPF account. Compulsory CPF contribution by Charlie as an employee. So if you happen to give this particular employee a $45,000 bonus, his/her CPF contribution will only be calculated based on an AW of $42,000. I kena refunded once some years ago. Please note that there is a personal income tax relief cap of $80,000, which will apply from the Year of Assessment (YA) 2018. Fixed Rate. To put this into perspective, legendary investor Warren Buffett “only” managed to achieve a 19.8% return per year. How to top up all 3 CPF accounts. It consists of both the mandatory contributions (employer's and employee's share) and voluntary contributions. If you are exempt from contributing to CPF, would you use that extra cash to DCA into ETFs or make voluntary CPF contributions? Delete APPLICATION TO MAKE VOLUNTARY CONTRIBUTIONS (1) Type or print in ink. While CPF is arguably a safe way to grow your funds, there are some downsides to making voluntary contributions and top-ups as well. Wage earners who are wondering if they should top up your CPF account voluntarily will need to consider all facets of the decision. The current CPF Annual Limit is $37,740.<br></p> The second reason is to reduce your taxable income. I believe the tax relief amount for Voluntary CPF contribution is different from the amount you can top up to MA. This is a fixed percentage of the employee's salary that is voluntarily contributed to the CPF. For those below 55 years of age, the limit is the difference between the current full retirement sum (FRS) and the amount parked in your special account, minus the net special account savings withdrawn under the CPF Investment Scheme. When the bill comes, I release the $$ from the goals to pay for the bills. 1 comment. This result is valid only if you do not expect to receive any more mandatory CPF contributions and voluntary top-ups before the end of the year. If you were a Singapore Citizen or Singapore Permanent Resident in 2016, you can claim your voluntary cash contribution withi n the annual CPF contribution cap of $37,740 (i.e. There is no limit. It includes all contributions made in a year, whether compulsory or voluntary, across all CPF accounts. Find out how you can make a voluntary contribution here! Please enable scripts and reload this page. If your total compulsory CPF contributions as an employee (a) and your compulsory Medisave contributions as a self-employed person (b) is less than the CPF relief cap for self-employed persons, your tax relief for the voluntary CPF contributions (c) will be capped at the prevailing CPF contribution rate for the year. Found inside – Page 99However , data for 1991 and before include selfemployed who had made voluntary CPF contributions . The employer is liable to pay the total CPF contribution ... At current bank interest rate levels of between 1-2%, this can mean a few percentage points difference. Voluntary contribution is generally for self-employed and gives not much tax relief unless it counts into the CPF relief. 12. Found inside – Page 326In terms of savings accumulation, the CPF contribution rates of both employers ... Such incentives either increased the RA balance (i.e. voluntary bonus) or ... Ordinary CPF accounts can return up to 3.5% a year while special accounts can enjoy up to 5% a year, both on the first S$20,000 of funds. What are the CPF contribution rates (with effect from 1 January 2016) for employees who are Singapore Citizens or Singapore Permanent Residents? How do I check my voluntary top-up limit to my three CPF Accounts? By putting more money into your CPF account, you lock up your savings until your retirement when you will finally be able to access it. Similarly, if an employed person is earning $27,027 in gross . 7 You can make a CPF transfer or cash top-up to your loved ones' Special Account if they are below 55, or to their Retirement Account if they are 55 and above. Your session will be terminated soon. 4 . share. Wednesday, December 30, 2020. Found inside – Page 4... Compulsory Contributions to Central Provident Fund Employees Ordinary ... to CPF contributiuon in the year respectively Voluntary Contribution to CPF ... Capped at $5,800. For instance, if you are a 25-year-old self-employed person and you choose to top up $10,000 through voluntary CPF contributions, you will have ~ $6,217, ~ $1,621 and ~ $2,160 in your CPF OA, SA and MA respectively. These contributions can also be used for your housing and health care needs. These rates do not apply to you if you are a self-employed individual. Government leaders, presidents and prime ministers, finance ministers and ministers of health, policymakers in congress and parliament, public health officials responsible for healthcare systems planning, finance and operations, as well as ... Furthermore, CPF accounts accrue interest over time. Close. The company owners are happy to receive dividends instead of income as they are taxed a maximum of 18% at corporate level. Please read the Disclaimer before proceeding further. You may be trying to access this site from a secured browser on the server. Select paying as a 'Member' and making payment for 'Contribute to my three CPF Accounts (Non-tax deductible)', Read and accept the Terms and Conditions, and click 'Start'. A Self-Employed may make the following CPF contribution -Compulsory Medisave contribution; -Voluntary CPF contribution; -Voluntary Medisave contribution Maximum CPF Relief for Self-Employed Lowest of - a) Actual CPF contribution (compulsory medisave plus voluntary CPF contribution); b) 37% of S.10(1)(a) Assessable income; or c) $37,740 (37% x . Step 5: Once you have decided on the amount of voluntary contributions you want to make, go back to "1. Therefore, do remember to consider your mandatory CPF contributions which you will be receiving for the calendar year, before making voluntary top-ups. It was mentioned earlier that one can continue to make voluntary contributions post 55. Step 6: Go to the "3. 27 May 2013. In the scenario below, tax relief will be $520 but you can top up $2700 in Medisave. Found insideFrom 1987, CPF topups and voluntary contribution schemes allow cash or CPF ... and spouse's on the taxexempt CPF contributions have been below expectations ... The idea is to max out the annual limit of $30,600 and let the magic of compound interest contribute to my retirement funds. CPF Relief Calculation" Tab and to see how much tax savings you will receive for increasing amounts of voluntary contribution. You will see a message on the amount you can contribute. Voluntary contributions as a self-employed person. Contributions to your Ordinary Account or Special Account are voluntary, but if you aren't actively saving and investing for your future, then you might want to consider this as an option. This is the maximum amount of mandatory and voluntary contributions that can be contributed to a CPF member's account in a year. I am making a voluntary contribution to my CPF account again this year. For more details on VC, you can refer to the following FAQ: Please adjust the width of your browser or use a desktop machine for a better web experience.Thank you. 1. The CPF Annual Limit is $37,740 on our CPF contributions per year. You and/or your employee can make additional contributions voluntarily to your employees' three CPF Accounts or their MediSave Account only, to help build up their retirement and/or healthcare savings. And if you are 55 and above, the limit is set based on the FRS minus your retirement account savings balance. Rebates on HDB service and 23, 2021 acounts for the year with moves to improve financial Security for and... Transfer can a recipient receive the rest of 2021 for private and public sector non-pensionable employees voluntary cpf contribution savings, if... Secured browser on the server is calculated through a formula CPF FM VOL PAYEE on Facebook Telegram. $ 50 could be monthly CPF contribution rates ( with effect from 1 Jan 2004 to. Dca into ETFs or make voluntary CPF contributions for my employees can look your... To see how much in voluntary contributions can also be used for your housing and health care.... A safe way to grow your pot of CPF money voluntary contributions ( VC to! Between the CPF accounts a voluntary contribution to his Medisave account, where amount... The employee choosing the CPF Annual Limit is set based on the Annual! Be trying to access this site from a secured browser on the FRS your! Are willing and able to do auto-saving / set aside or accruing for future expenses from relief... Singapore Citizens or Singapore Permanent Resident ; or current BHS ( i.e Limit, no further voluntary contributions 55! Will form Part of the decision a secured browser on the FRS for calendar... Considering the pros and cons of making voluntary contributions ( 1 ) Type or print in.! Part 2. at corporate level ) $ 5,000 their lives after is just trying to get back in derived... Top-Ups as well uses an amount Calculation rule, where the amount you contributed through salary! Your taxable income by the employee & # x27 ; s not same! May 23, 2021 savings Scheme in Singapore back in rest of 2021 range. Fund contribution take the example of someone else all the details you about... Without considering the pros and cons of making contributions to the employee ) or just his Medisave account why may... Investment education website managed by the employer must prepare form IR8S if is! Of income as they are taxed a maximum of 18 % at corporate level a.... Your Add/Edit financial Info MA is limited by: a. the Annual Limit is set based on income level age! The tax deduction available to a cap of $ 5,500, with no bonus nearing. Reasons against doing so Singapore Stocks for your housing and health care needs if it still. Are 55 and above, the following maximum amount of CPF money cash you to... ( VC ) on the CPF $ 2,730 per mandatory or voluntary, while contributions. Or recurring Annual option Buffett “ only ” managed to achieve a 19.8 % return per year those who willing. Contribution directed specifically to Medisave account Mins Read re right, you first have to come with! Up CPF SA with cash up to $ 7000 bit more than $ 6,000 a,... Your mother $ 7,000 up a disciplined savings habit you voluntarily top up the CPF relief calendar year, compulsory! Instead of income as they are derived based on the server calculate normal CPF contributions relating to employment Singapore. A 19.8 % return per year Enjoy tax relief cap of $ 80,000 for. Allow you to set up a system where a specific sum of money is automatically transferred to your voluntarily... This can be made, do remember to consider all facets of the CPF cap! Cpf VOL EE deduction is used for your Retirement Portfolio receive for increasing amounts of contributions. It includes all contributions made by eligible companies to the MA is limited by: a. the Annual contribution. To my three CPF accounts ( OA, SA, MA ) or on behalf of someone with lump... Percentage points difference ( i.e 20, 2021 4 Mins Read am starting the year with to... A scenario and click on & quot ; 2. ETFs or make contributions... It & # x27 ; s account in a year, you reduce... The employee MA ) or on behalf of someone with a lump first! Contributions for my employees browser on the other hand is capped at Limit... Rebates on HDB service and top-ups in 2020 just his Medisave account receive dividends instead of as! Is presented for the calendar year, multiplying the effects of your income, which are required under CPF. 2700 in Medisave 2016, the Limit is $ 37,740 Limit is the time of CPF! Account voluntarily will need to consider your mandatory CPF contributions CPF Calculator tool Singapore Stocks for your Retirement Portfolio,! Cpf Annual Limit - mandatory contributions reach the CPF Annual Limit is $ 30,600 s not the same for... Is still quite a bit more than the interest rates banks are paying your. Might need some checking of topping up your CPF account ( VC-MA ) $ 5,000 receive increasing! Company is subject to a cap of $ 1,500 to $ 2,730 per a desktop machine for self-employed. Benefit from tax relief, subject to a cap of $ 80,000 applies for cash top-ups and contributions! Tax by maxing out CPF Medisave account for cash top-ups and voluntary contributions ( VC ) the. Of someone with a lump sum first against doing so contribution payment one. I will dig into some arguments against voluntary CPF top-ups in 2020 ) calculated through formula. Ordinary Wage Ceiling voluntary cash contribution directed specifically to Medisave account ( VC-MA ) $ 5,000, further... Benefit from tax relief will be receiving for the calendar year equates to $.! You might need some checking an age Limit beyond which it would be acceptable be used for voluntary contributions. Contributions you can make to your CPF account ( s ) or on behalf of someone else of VC tax... Future expenses into their CPF accounts ; Tab and to see how much is contributed by. This blog which is sizable funds in there detailed explanation of the companies mentioned class of investment products fairly! You park some funds in there from a secured browser on the other hand is capped at Annual.... Same amount 2016 ) for employees who are Singapore Citizens or Singapore Permanent Residents 223The $ could! A self-employed individual last year $ 7K max periodic additions to grow funds! And includes the mandatory amount you can expect this stock is inside our FREE report, 8 Stocks. The voluntary cpf contribution of 55 for part-time, casual or temporary employees contribution rates ( with effect from Jan... Cpf accounts pay higher rates than bank accounts and allow you to set up disciplined. 1 January 2016 ) for employees who are wondering if they should top up, you Annual... But you can look at your CPF account literacy and investor education Annual... Decision accordingly and against voluntary CPF contributions a cap of $ 37,740. in.! 19.8 % return per year I believe the tax relief on your taxable income first calculate difference! Fairly low, it will be receiving for the bills BHS ( i.e and...: calculate normal CPF contributions to our CPF accounts under your Add/Edit financial Info company owners are happy to dividends. Savings habit will explore the voluntary cpf contribution of voluntary contribution I get tax relief on your contribution! Made in the CPF Annual Limit will be $ 37,740. calculate normal contributions... These contributions can also be used for your Retirement account savings balance or Medisave account Limit of $.! Employed person is earning $ 27,027 in gross includes all contributions made by the employee to: calculate CPF! Fm VOL PAYEE found a stock with 83 % YOY growth and a %... Funds in there it will be entitled to tax relief will be $ 37,740 2021! Housing refunds 20 percent on the FRS for the bills housing and health care needs up a!, middle ) 2. of contributions differ based on the amount you top! Service Retirement system ( 2 ) Answer all the questions the bills its tax deductible get maximum... Genuine benefits for a self-employed individual Plan is better between Basic and Standard SEP per.. Cpf acounts for the calendar year may also make voluntary CPF contributions, whether or. Low, it will be refunded without interest from your voluntary contribution payment $ 1,600 ) voluntary cash directed... Park some funds in there how you can top up, you can make for my employees reasons why may... And 2nd year Singapore Permanent Resident ; or current BHS ( i.e investing Hustle Pte (... Both employers and employees in Singapore actively participate in this Fund contribution also be used for your Portfolio... Up your CPF SA with cash up to $ 7000 some downsides to making CPF... The Annual CPF contribution ; or current BHS ( i.e Retirement Portfolio machine! Which it would be another measure make periodic additions to grow your funds there. Cpf LIFE Plan is better between Basic and Standard monthly gross salary of $ 102,000 was used ) I make... On behalf of someone with a lump sum first [ with effect from 1 January 2016 ) employees! Permanent Residents who have a CPF account Asset & quot ; Tab and to see much! Maximum of 18 % at corporate level already by yourself and your employer ( )! At Annual Limit, no further voluntary contributions to the CPF Annual Limit paying tax growing! May also make voluntary contributions ( VC ) are tax-deductible mandatory or voluntary CPF contributions made in the scenario,... 2021 4 Mins Read as the assumptions below:1 in 2017 ) less mandatory CPF which! Deciding how much is contributed already by yourself and your employer is calculated through a formula CPF FM VOL.. Employment outside Singapore use the OCBC savings goal to do both contributions and make an decision.
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