https://yanqian.github.io/tags/investing/Recent content in Investing on Armstrong YanHugoen-USTue, 21 Jul 2026 10:04:38 +0800https://yanqian.github.io/posts/publish/singapore-retirement-savings-cpf-sa-rstu-srs/Tue, 21 Jul 2026 10:04:38 +0800https://yanqian.github.io/posts/publish/singapore-retirement-savings-cpf-sa-rstu-srs/<p>Singapore has several retirement-related schemes that sound similar from the outside, but they do very different jobs.</p> <p>The three names that are easiest to mix up are:</p> <ul> <li>CPF Special Account, or <strong>CPF SA</strong></li> <li>Retirement Sum Topping-Up Scheme, or <strong>RSTU</strong></li> <li>Supplementary Retirement Scheme, or <strong>SRS</strong></li> </ul> <p>The short version is:</p> <div class="highlight"><pre tabindex="0" class="chroma"><code class="language-text" data-lang="text"><span class="line"><span class="cl">CPF SA = national retirement savings account </span></span><span class="line"><span class="cl">RSTU = tax-relief route for topping up CPF retirement savings </span></span><span class="line"><span class="cl">SRS = voluntary tax-deferred investment account </span></span></code></pre></div><p>This article is a mental model, not tax advice. Singapore tax and CPF rules can change, and the exact benefit depends on your residency, income, CPF balances, relief cap, withdrawal timing, and whether you plan to stay in Singapore long term.</p>