My CPF Strategy for 2026 (New Medisave BHS)

📈 Click https://hmsg.link/ibkr to see my preferred broker 💹 Interactive Brokers Invest CPF/SRS with 📝 POEMS Cash Plus: https://hmsg.link/poems Free Preview of SHIFT 📙 Solo Biz: https://hmsg.link/solobiz _________________________________ 📈 Click https://hmsg.link/ibkr to see my preferred broker 💹 Interactive Brokers 🔭 Telegram Group: https://hmsg.link/telegram 📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg 🦙 My Brown Llama/Alpaca https://s.shopee.sg/9zmyORhsqv 🌟 My referral codes: https://t.me/sgpromocode 📙 Solo Biz: https://hmsg.link/solobiz ☕️ Buy my Spreadsheets at Ko-Fi: https://hmsg.link/shop 🎵 TikTok https://www.tiktok.com/@honeymoneysg 📧 Email (Business only): sghoneymoney@gmail.com 🏦 CREDIT CARDS 💳 🔗 https://hmsg.link/creditcard 📈 INVESTING & TRADING PLATFORMS 📈 🔗 https://hmsg.link/investing 💳 MULTI-CURRENCY CARD/WALLET 👛 🔗 https://hmsg.link/multi 💰 PAYMENT APPS 💰 🔗 https://hmsg.link/pay 🏦 FINANCIAL APPS 🏦 🔗 https://hmsg.link/finance 💼 BUSINESS 💼 🔗 https://hmsg.link/business ✈️ TRAVEL ✈️ 🔗 https://hmsg.link/travel 🛡️ Travel Insurance offers 🛡️ 🔗 https://hmsg.link/travelinsurance 🛍 LIFESTYLE 🛍 🔗 https://hmsg.link/lifestyle 👨🏻‍💻 PROFESSIONAL SERVICES 👨🏻‍💻 🔗 https://hmsg.link/services 🎥 FILMING & SOFTWARE 🎥 🔗 https://hmsg.link/film Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews. Interactive Brokers provides execution and clearing services to its customers. Influencer is not affiliated with, recommended by or an agent of Interactive Brokers. Interactive Brokers makes no representation and assumes no liability to the accuracy or completeness of the information provided in this video. For more information regarding Interactive Brokers, please visit www.interactivebrokers.com. None of the information contained herein constitutes a recommendation, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Investment involves risks. Investors should obtain their own independent financial advice and understand the risks associated with investment products/ services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website. Influencer is a customer of Interactive Brokers. Interactive Brokers and Influencer have entered into a cost-per-click agreement under which Interactive pays Influencer a fee for each clickthrough of the Interactive Brokers URL posted herein. _________________________________ Every year, I record this CPF strategy video to remind myself and to help others better understand what is really happening behind the scenes of CPF. With the Basic Healthcare Sum increasing again in 2026, many people panic when they see their Medisave balance on 1 January and think they missed their VCMA opportunity. In this video, I walk through exactly what happens, why there is no need to rush, and how to think about CPF, tax optimisation, and Medisave top ups calmly and logically. What this video covers: - 2026 Basic Healthcare Sum update and interest rates explained - Why your Medisave balance temporarily exceeds BHS on 1 January - Where your Medisave interest actually flows to SA or OA - When and how you can still do VCMA for tax relief - Common misunderstandings about the VCMA timing - My personal CPF strategy for 2026 as a business owner - Why 1 January is not your only VCMA opportunity - Using Medisave deductions and insurance premiums strategically - How CPF fits into my broader investment and retirement framework CPF strategy is not for everyone, but CPF education is important. Whether you choose to execute it or not, understanding the rules first gives you clarity and peace of mind. If you find this video useful, feel free to share it with friends or family who are confused about CPF, Medisave, or tax planning. #NotSponsored