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Level Up Academy aims to elevate the competence and professionalism of financial planning practition

29/10/2026

Comment “CPF” and we’ll send you the course details.

Thinking about making a voluntary CPF contribution? The treatment of VC3A (Voluntary Contributions to all three CPF accounts) depends on whether you are an employee or self-employed.

For employees, VC3A can be made using the available CPF Annual Limit after accounting for mandatory CPF contributions, but it does not qualify for tax relief. For self-employed individuals, only MediSave contributions are mandatory, and VC3A may qualify for tax relief, subject to caps.

Understanding this distinction helps practitioners explain CPF funding options more clearly and support better retirement planning conversations.

Learn more in Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

27/10/2026

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When bank rates are low, could a Voluntary Housing Refund (VHR) be worth considering for some CPF members?

For clients aged 55 and above who already have the Full Retirement Sum set aside in their Retirement Account, a VHR goes into the OA, where it remains withdrawable anytime while earning the OA interest rate. Practitioners should also understand how principal and accrued interest appear in the Home Ownership Dashboard, and how to guide clients through the refund process.

Build practical confidence in these conversations with Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

25/10/2026

Comment “CPF” and we’ll send you the course details.

A strong retirement plan is not only about setting goals—it must also address the concerns and potential pitfalls that may affect a client’s future.

Using a structured 7-point framework, practitioners can clarify the client’s goal, assumptions, planning parameters, income sources, expenses, pitfalls and ways to optimise their CPF savings. Identifying retirement pitfalls is especially valuable, as each concern can lead to a meaningful conversation and a practical solution.

Learn how to bring CPF confidently into the planning process with Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

23/10/2026

Comment “CPF” and we’ll send you the course details.

CPF Voluntary Contributions to MediSave can support healthcare planning while earning the prevailing 4% interest—but there are important limits to understand.

The Basic Healthcare Sum (BHS) determines how much can be contributed to MediSave. Even if there is room up to the BHS, tax relief for VC-MA is capped at $8,000 and shared with cash top-ups to the client’s Special or Retirement Account. The overall personal tax relief cap of $80,000 also matters, as the other reliefs a client claims may change as life circumstances evolve.

Build stronger client conversations with Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

21/10/2026

Comment “CPF” and we’ll send you the course details.

Can a cash top-up to your CPF Retirement Account (RA) qualify for tax relief after age 55? The answer is: it depends.

If a member has not yet met the prevailing Full Retirement Sum (FRS), a cash top-up to the RA may qualify for tax relief. However, if the FRS has already been met, further top-ups towards the Enhanced Retirement Sum (ERS) do not receive tax relief.

Understanding this distinction helps practitioners explain CPF top-ups clearly and guide clients towards more informed retirement planning decisions.

Learn how to apply these CPF concepts in Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

19/10/2026

Comment “CPF” and we’ll send you the course details.

Retirement planning does not have to be solved all at once. With the right structure, practitioners can guide clients step by step towards a clearer and more resilient retirement plan.

The seven-point framework helps identify retirement needs, gaps and opportunities. Using the CPF Projection Toolkit, practitioners can map CPF and other income streams against expected expenses, making potential shortfalls easier to understand and discuss.

Learn how to apply this process in Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

17/10/2026

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CPF was designed to support Singaporeans across three important needs: housing, healthcare and retirement. Over the years, it has evolved with additional accounts, healthcare coverage, retirement savings measures and CPF LIFE to provide greater support for longer lives.

Understanding this development helps practitioners explain how CPF works as an integrated retirement planning system—and have more meaningful conversations about housing decisions, healthcare needs and retirement income.

Learn how to apply this knowledge in client planning with Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

15/10/2026

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SA closure and the higher ERS—now four times the BRS—open new retirement planning conversations.

For clients whose remaining SA savings moved into OA, should they retain those funds in OA, top up their RA for higher CPF LIFE payouts, or explore other suitable options?

The decision goes beyond returns. Liquidity, risk, capital preservation and retirement income needs matter too.

In class, Kevin connects key CPF changes to practical planning, helping financial practitioners assess trade-offs and guide clearer client conversations.

Join Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

13/10/2026

Comment “CPF” and we’ll send you the course details.

CPF retirement planning can feel complicated, but the right knowledge can make it clearer.

We distil CPF information, explain the nuances and highlight retirement planning pitfalls—insights your clients will benefit from knowing earlier.

Learn to connect the dots from CPF knowledge to a structured retirement plan, helping clients understand their options and optimise their CPF.

Join Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

11/10/2026

Comment “CPF” and we’ll send you the course details.

In retirement, would you choose $2,000 a month for life - or $3,500 a month for the first 15 years? 🤔

Every answer has a reason. That’s where our class discussion begins.

We explore the retirement priorities and trade-offs behind each choice—a simple but meaningful question to bring into client conversations.

Learn through discussion and practical application in Level Up Academy’s IBF-FTS programme: Retirement Planning with CPF Projection Toolkit.

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https://www.levelupacademy.com.sg/ibf-fts

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