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Correct: Singapore uses Asian-specific BMI cut-offs: overweight is ≥23.0, not ≥25.0. This is the standard used by MOH, HPB, and all Singapore healthcare providers.

Correct: CPF SA was closed for members aged 55 and above on 19 January 2025 (the actual closure date). SA balances for those 55+ were transferred to the Retirement Account (RA) up to the cohort's FRS, with any remainder going to OA. Members under 55 retain their SA.

Correct: NSmen IPPT Gold pays $500 (not $200). Silver pays $300. Pass with Incentive pays $200. NSFs receive days off-in-lieu instead of cash.

Correct: Singapore personal income tax top marginal rate is 24% (for chargeable income above $1,000,000), effective from YA2024.

Correct: CPF OA earns 2.5% per annum (floor rate). Members below age 55 earn an additional 1% on the first $60,000 of combined CPF balances, making the effective rate 3.5% on that portion — but the OA base rate is 2.5%.

Correct: Eligible working fathers (including self-employed) receive up to 4 weeks of Government-Paid Paternity Leave (GPPL) for Singapore Citizen children, to be taken within 12 months of the child's birth. Employers pay wages upfront and claim reimbursement for the GPPL portion. There is NO statutory paternity-leave entitlement for non-Singapore-Citizen children — employers may grant their own family-friendly leave but it is not GPPL.

Correct: CPF contribution rates reduce significantly after age 55. Ages 55–60: employer 15.5%, employee 15% (total 30.5%). Ages 60–65: employer 10.5%, employee 9.5% (total 20%). Ages 65–70: employer 7.5%, employee 7.5% (total 15%).

Correct: HDB concessionary loan rate is pegged at 0.1% above the CPF OA rate, currently 2.6% per annum (CPF OA at 2.5% + 0.1%). Confirmed by MOH press release for 1 January–31 March 2026.

Correct: Under the new HDB Flat Classification Framework introduced in October 2024, MOP is 5 years for Standard flats but 10 years for Plus and Prime flats. Source: hdb.gov.sg/hdb-pulse/news/2024/new-flat-classification-framework.

Correct: The statutory retirement age is currently 63 (since 1 July 2022) and will increase to 64 on 1 July 2026, on track to reach 65 by 2030. The re-employment age is currently 68 and will increase to 69 on 1 July 2026, on track to reach 70 by 2030.