Is the CPF Enhanced Retirement Sum (ERS) really worth topping up? In this roundtable, we break down what the CPF Enhanced Retirement Sum actually means, how it compares against the Basic Retirement Sum (BRS) and Full Retirement Sum (FRS), and what the 2026 CPF retirement sums imply for long-term planning.We’ll also dive into how payouts work, what kind of retirement income you can expect at different sum levels, and who ERS is best suited for. If you're deciding whether to top up CPF (or invest instead), this episode will help you make a clearer, more confident choice.

00:00 Intro

00:49 2026 retirement sums

05:14 Payouts

12:08 CPF ERS?

18:51 Risk takers