Working Past 65 in Singapore: What Re-Employment Actually Pays (And the CPF Catch)

You turn 65 and you want to keep working. The law is increasingly on your side and the re-employment age has just moved again. But there is something in the arithmetic nobody mentions, and it is not about your salary. It is about what happens to the CPF built on that salary. In this video: what re-employment actually obliges your employer to do and up to what age, whether your pay and job scope can change, the Employment Assistance Payment if they cannot re-employ you, and then the catch — the total CPF contribution rate falling from 25% to 16.5% at 65, and the allocation shifting so hard towards MediSave that only a fraction reaches your Retirement Account. Plus why working longer is still worth it, for reasons that have nothing to do with CPF. Know your two ages. Ask about re-employment early. And work past 65 for the salary, not for the CPF. GET THE FULL PLAN The Singapore Retirement Blueprint. Workbook plus the Drawdown Planner spreadsheet. https://moneywithwei.com MENTIONED IN THIS VIDEO MOM, Responsible re-employment: https://www.mom.gov.sg/employment-practices/re-employment CPF contribution rates from 1 January 2026: https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/CPFcontributionratesfrom1Jan2026.pdf CPF allocation rates from January 2026: https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/CPFAllocationRatesfromJanuary2026.pdf Contribution and allocation rates are for Singapore Citizens and PRs in the third year onwards, on wages above $750, with the Ordinary Wage ceiling at $8,000. The $4,000 salary example is a worked illustration, not a projection. DISCLAIMER This video is educational information only and is not financial, legal, tax or employment advice. It is not a projection or guarantee of any outcome. I am not a licensed financial adviser and I am not licensed by the Monetary Authority of Singapore. Figures reference CPF, MOM and IRAS rules as published for 2026 and may change. Verify your own situation at cpf.gov.sg, mom.gov.sg and iras.gov.sg, do your own research, and consider speaking to a MAS licensed adviser. Investing involves risk, including the possible loss of capital. #CPF #Reemployment #RetirementAge #WorkingPast65 #MoneyWithWei