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CPF

Good or bad, there are tons of acronyms in Singapore. One is CPF. Something like social security fund, but is much better. Only Singapore citizen and PR can have it. There are 3 type CPF accounts associated with you - Ordinary 2.5% APR, Special 4% APR, and Medisave 4% APR. The interest is good, if you consider the normal local bank's 0.2% APR. A percentage of your salary is automatically put into these accounts. Event better, the employer will put the same amount of money as while, so it is just as salary raise.

Because it is so good, you can't put in your money as much as you want. There is a cap. Only SGD 4500 of your salary is eligible for CPF. The percentage for CPF starts low, and increase year by year. Mine starts with 5%.

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