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_________________________________________________

Stop topping up your CPF into the 3 accounts by voluntary contributions

Why Not?
- No tax relief for VC3A
- Spread across OA, SA and MA, no focus
- Want to build up OA, but for what?
- VCMA & RSTU are much better, focus fire and have tax relief
- By doing VC3A, you are using up your untapped Tax Relief limit for RSTU and VCMA

But only do it when
- You are Self-employed. For tax relief 37% of Net Trade Income
- You are close to 55 and have hit FRS in your RA. Since you can withdraw any amounts above FRS freely above 55
- You just love seeing huge numbers in your CPF even without tax relief

#sponsoredby #Webull

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