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Assumptions

The illustration provided is indicative only, and is based on the following assumptions.

The CPF Minimum Sum is deemed to be S$120,000 indexed to 2003 prices, and is calculated based on the rate of inflation input by you. All CPF balances (Ordinary Account + Special Accounts) accrue interest at a constant rate of 3% until age 55. At age 55 CPF balances in excess of the Minimum Sum are deemed to be withdrawn and added to the cash portion of your fund, earning an investment rate of return at rate selected by you. From age 55 until your chosen retirement age, the Minimum Sum + any additional CPF contributions made after the age of 55 are deemed to earn interest at a constant rate of 3% until the CPF Draw Down Age (DDA) of 65, or retirement (whichever is later), and is then added to the cash portion of your fund. At your chosen retirement age, the fund ceases to earn interest at your chosen investment rate of return, and instead earns interest equal to the rate of inflation.

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Important Notes

The information presented is for your information only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons.

These financial tools are designed for assisting in financial planning and are for general reference only. The information and analysis provided by these tools are based on various assumptions, which are subject to change at any time without notice.

Investing involves risk and the value of investments may fall or rise. Please read the corresponding investment information carefully before making any investment decision. No AIA entity, employee or agent gives any representation or warranty as to the accuracy or usefulness of any information provided by these tools, nor do they accept any liability for any loss arising from any use of or reliance upon these tools.

Nothing generated by the calculator(s) constitutes professional advice. You are advised to seek financial advice tailored to your own specific objectives, financial situation and particular needs before making any decisions regarding your retirement planning or your investments. Should you have any questions regarding planning for your retirement or the management of your investments, please consult your AIA Financial Services Consultant.

The information presented is correct as at August 2010.