Key changes to CPF from 2025

Why the changes and what to do now

Advice for the confused

More tips to navigate the changes

From 2025, CPF members above age 55 will no longer keep funds in their Special Accounts (SA). Balances in the SA will be transferred to the Ordinary Account (OA), reducing the interest rate from at least 4 per cent in SA to 2.5 per cent in OA. What does this mean for your retirement?

Howie Lim speaks to Christopher Tan, CEO of Providend to find out.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:05 Key changes to CPF from 2025

06:54 Why the changes and what to do now

11:23 Advice for the confused

16:05 More tips to navigate the changes

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Christopher Tan, CEO, Providend

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

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Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

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Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

From 2025, CPF members above age 55 will no longer keep funds in their Special Accounts (SA). Balances in the SA will be transferred to the Ordinary Account (OA), reducing the interest rate from at least 4 per cent in SA to 2.5 per cent in OA. What does this mean for your retirement?
Howie Lim speaks to Christopher Tan, CEO of Providend to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:05 Key changes to CPF from 2025
06:54 Why the changes and what to do now
11:23 Advice for the confused
16:05 More tips to navigate the changes
---
Send us your questions, thoughts, story ideas, and feedback to <a href="mailto:btpodcasts@sph.com.sg">btpodcasts@sph.com.sg</a>.
---
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Christopher Tan, CEO, Providend
Edited by: Howie Lim &amp; Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
---
Follow BT Money Hacks podcasts every Monday:
Channel: <a href="https://bt.sg/btmoneyhacks">bt.sg/btmoneyhacks</a>
Amazon: <a href="https://bt.sg/mham">bt.sg/mham</a>
Apple Podcasts: <a href="https://bt.sg/oeXe">bt.sg/oeXe</a> 
Spotify: <a href="https://bt.sg/oeGN">bt.sg/oeGN</a> 
YouTube Music: <a href="https://bt.sg/mhyt/">bt.sg/mhyt</a>
Website: <a href="https://bt.sg/moneyhacks">bt.sg/moneyhacks</a>
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: <a href="https://bt.sg/btcobt" data-saferedirecturl="https://www.google.com/url?q=http://bt.sg/btcobt&amp;source=gmail&amp;ust=1725767545308000&amp;usg=AOvVaw1MZyDZ2ZxkzhbmmY3UOc3Z">bt.sg/btcobt</a>
BT Market Focus at: <a href="https://bt.sg/btmktfocus">bt.sg/btmktfocus</a>
BT Podcasts at: <a href="https://bt.sg/pcOM">bt.sg/pcOM</a>
BT Branded Podcasts at: <a href="https://bt.sg/brpod">bt.sg/brpod</a>
BT Lens On: <a href="https://bt.sg/btlenson">bt.sg/btlenson</a>

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.

Produced by BT Podcasts, The Business Times, SPH Media.

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.
Produced by BT Podcasts, The Business Times, SPH Media.

BT Money Hacks

Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Podcaster: Howie Lim

Produced by BT Podcasts, The Business Times, SPH Media.

Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Podcaster: Howie Lim
Produced by BT Podcasts, The Business Times, SPH Media.

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