When Should you Start Topping up your CPF?

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Disclaimer: Information provided in the video are not meant to be taken as financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR
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I know this is a highly debatable topic and using my experience may not be the best example because back then the CPF rules were quite different when I was still a fresh grad.
But for context, I started topping up CPF in 2016 when I was 25. This was 1 year after I started Full-time employment, mainly as a way to reduce taxes so it was a very simplistic thinking.
Unlike what I share nowadays about financial and retirement safety net and all these ikigai financial independence stuff, which are mostly developed in my late 20s.
In this video, I will share what period I feel is the most optimal for topping up CPF, and maybe you can consider it. Not necessarily to reach Full Retirement Sum, which is 198.8K in 2023, but more from a optimising standpoint
1) When you have less than $60,000 combined CPF Balance
2) When you need to start paying for your own Integrated Shield Plan
3) Why your tax assessable income is above $40,000 per year (7% tax bracket)
Ultimately the decision is yours on whether to top-up but I hope I’ve help some people clear their doubts before they start to top-up CPF