Arigato, {{ first name | dear investor }},

A few years ago, I thought paying income tax was just part of life.

Earn more = Pay more tax.

But then I discovered a legal way to reduce my taxable income by up to $16,000 every year in Singapore.

And the best part?

The money doesn't disappear into some tax-saving scheme.

Instead, it goes into my CPF and continues earning guaranteed interest backed by the Singapore government. 👀

Today, I want to share one of my favourite CPF "hacks" that many Singaporeans still don't know about.

Under the CPF Retirement Sum Topping-Up Scheme, if you're below 55 years old, you can:

✅ Top up up to $8,000 into your own CPF Special Account (SA)
✅ Top up another $8,000 into your loved one's CPF accounts

And in return?

You'll enjoy up to $16,000 of tax relief every year.

Now, this becomes especially attractive if you're a higher-income earner.

For example, if you're earning around $100,000 a year, reducing your taxable income by $16,000 could save you approximately $1,840 in income taxes.

But here's what makes it even more interesting.

The money inside your CPF SA and Retirement Account doesn't just sit there.

It continues earning a guaranteed 4% interest per year, backed by the Singapore government!!

But personally, I didn't stop there.

While I appreciate the guaranteed 4% return, I personally view it as a way to preserve wealth rather than a way to create a truly comfortable retirement.

After all, inflation itself averages around 3-4% over the long run.

So while 4% sounds great, it is not enough if you want greater financial freedom, retire earlier, or leave a larger legacy for their family.

That's one of the reasons why I started learning how to invest my SA.

I wanted my retirement savings to work harder for me.

Over the past 9 months, my SA investment portfolio has generated returns of over 8.8%, significantly higher than the default CPF interest rate.

I believe every Singaporean should at least understand the options available before automatically assuming that "leave it inside SA forever" is the only strategy.

If you'd like to learn exactly how I invest my SA step-by-step, I'm currently giving away my complete 2026 SA Investing Workshop as a free bonus.

Inside this 2026 SA Investing workshop, I'll show you:

✔ How SA investing works in 2026
✔ What investments are available under SA
✔ How I personally select the 3 SA funds for long-term growth
✔ The 6-figure mistakes most CPF investors make
✔ The exact framework I use to manage my SA portfolio

If you've ever wondered whether your SA can potentially grow faster than 4% per year, this workshop will show you exactly how I approach it.

This workshop is given as a free bonus for a limited time. 🎁

So make sure to grab the bonus before it’s gone!

Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛