---
id: sgobs.cpf.cpfis-account-set-asides.2026
kind: observation
title: "CPFIS account balance retained before investment"
url: https://ik.sg/en/knowledge/observation/sgobs.cpf.cpfis-account-set-asides.2026
language: en
evidence_status: final
collection_as_of: 2026-10-16
---

# CPFIS account balance retained before investment

Members may invest OA savings only after setting aside S$20,000 in OA and SA savings only after setting aside S$40,000 in SA. Actual withdrawable amounts depend on member balances and other CPFIS rules.

## Record details

- **Value type:** observation
- **Unit:** SGD account balance
- **Value:** OA 20000; SA 40000
- **Status:** final
- **Source revision:** CPF Board CPFIS options page, last updated 26 January 2023 and rechecked 14 October 2026
- **Metric:** cpfis account set aside (`sgmetric.cpf.cpfis-account-set-aside`)
- **Dataset:** [Annual Rates](https://ik.sg/en/knowledge/dataset/sgkb.data.annual-rates)
- **Dimensions:** Accounts: Ordinary Account (OA); Special Account (SA)
- **Population:** CPF members investing through CPFIS-OA or CPFIS-SA
- **Denominator:** Minimum amount retained in the relevant account before CPFIS investing; not a guaranteed investible amount or common combined threshold
- **Observed:** 2026-10-14
- **Geography:** [Singapore](https://ik.sg/en/knowledge/geography/sg.geo.country.singapore)
- **Reference period:** CPF Board CPFIS options guidance rechecked 14 October 2026

## Sources

- [https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/investing-your-cpf-savings/cpf-investment-scheme-options](https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/investing-your-cpf-savings/cpf-investment-scheme-options) — Accessed 2026-10-14

## Explore connections

- Datasets: [Annual Rates](https://ik.sg/en/knowledge/dataset/sgkb.data.annual-rates)
- Topics: [CPF Investment Scheme](https://ik.sg/en/knowledge/topic/sgtopic.social-security.cpf-investment-scheme)
- Places: [Singapore](https://ik.sg/en/knowledge/geography/sg.geo.country.singapore)

Dates describe this record’s own period and applicability. A verification date does not mean a rule is currently in force. An expanding collection. Published counts show available knowledge, not complete coverage of Singapore.