Top-up monies will form part of your retirement sum and give you higher monthly payouts in retirement. As such, top-up monies cannot be withdrawn as a lump sum, withdrawn from your Retirement Account savings using property, or transferred to your loved ones.

Additionally, top-up monies cannot be used for other CPF schemes, such as withdrawal for immediate retirement needs, withdrawal on exemption from setting aside a retirement sum, and other CPF schemes for education, investment, insurance, housing etc.