Income tax relief for voluntary RA cash top-up is not exclusive for individuals who have executed SA shielding.However, there is a higher probability that the RA balance for these individuals will be below the prevailing FRS, as a portion of the SA balance had been shielded from being transfe...
Once your RA is formed, the RSTU switches to RA and the limit is extended to ERS, which you can also do immediately in cash if you don’t care about the tax relief. Some parents are even topping up their child’s CPF to the FRS maximum because the rates are so good. However despit...