{
    "datasets":[
      {
        "name": "≤35",
        "totalContribution": 37,
        "employeeContribution": 20,
        "employerContribution": 17,
        "allocations": {
          "OA": 62.17,
          "SA": 16.21,
          "MA": 21.62
        }
      },

      {
        "name": ">35-45",
        "totalContribution": 37,
        "employeeContribution": 20,
        "employerContribution": 17,
        "allocations": {
          "OA": 56.77,
          "SA": 18.91,
          "MA": 24.32
        }
      },
      {
        "name": ">45-50",
        "totalContribution": 37,
        "employeeContribution": 20,
        "employerContribution": 17,
        "allocations": {
          "OA": 51.36,
          "SA": 21.62,
          "MA": 27.02
        }
      },
      {
        "name": ">50-55",
        "totalContribution": 37,
        "employeeContribution": 20,
        "employerContribution": 17,
        "allocations": {
          "OA": 40.55,
          "SA": 31.08,
          "MA": 28.37
        }
      },
      {
        "name": ">55-60",
        "totalContribution": 32.5,
        "employeeContribution": 17,
        "employerContribution": 15.5,
        "allocations": {
          "OA":36.94,
          "RA": 30.76,
          "MA": 32.30
        }
      },
      {
        "name": ">60-65",
        "totalContribution": 23.5,
        "employeeContribution": 11.5,
        "employerContribution": 12,
        "allocations": {
          "OA": 14.9,
          "RA": 40.42,
          "MA": 44.68
        }
      },
      {
        "name": ">65-70",
        "totalContribution": 16.5,
        "employeeContribution": 7.5,
        "employerContribution": 9,
        "allocations": {
          "OA": 6.07,
          "RA": 30.3,
          "MA": 63.63
        }
      },
      {
        "name": ">70",
        "totalContribution": 12.5,
        "employeeContribution": 5,
        "employerContribution": 7.5,
        "allocations": {
          "OA": 8,
          "RA": 8,
          "MA": 84
        }
      }
    ],
      "timeline":[
        {
          "year": "1955",
          "title": "Official Launch of the CPF scheme",
          "target":"<b>所有公积金会员</b><br><small>16 - 55岁的新加坡人和永久居民</small>",
          "description": "<p><b>CPF’s primary objective is to provide retirement security for Singaporeans.</b></p><p>At that time, apart from the government and large companies, most employers did not provide retirement benefits for their employees. Employees had to rely on their own savings upon retirement, but most did not have sufficient funds.</p><p>Under the earliest CPF scheme, workers and employees had to contribute 5% of their monthly salary to their CPF, capped at a sum of $50, and could withdraw their CPF savings at the age of 55.</p>",
          "imageUrl": "assets/img/cpf-milestone-1955-launch.webp" ,
          "imageMobile":"assets/img/cpf-milestone-1955-launch-m.png"
      }, 
      {
          "year": "1968",
          "note": "",
          "title": "Public Housing Scheme",
          "description": "<p>Allowing the use of CPF savings to buy the public flats built by HDB and JTC, established the <b>CPF as a key enabler of home ownership for Singaporeans.</b></p>",
          "imageUrl": "assets/img/cpf-milestone-1968-hdb.webp",
          "imageMobile":"assets/img/cpf-milestone-1968-hdb-m.png"
      }
      , 
      {
          "year": "1977",
          "note": "Special Account",
          "title": "Special Account",
          "description": "<p><b>Members deposit part of their CPF savings into an account designated for retirement purposes, </b>to ensure that they do not use up their CPF funds before retirement.</p><p>In 1977, members could not access the funds in their Special Account before they turned 55, unless there were special reasons such as death or serious illness. CPF was later divided into Ordinary and Special Accounts.</p>",
          "imageUrl": "assets/img/cpf-milestone-1977-sa.webp",
          "imageMobile":"assets/img/cpf-milestone-1977-sa-m.png"
      }
      , 
      {
          "year": "1984",
          "note": "MediSave Account",
          "title": "MediSave Account",
           "description": "<p><b>CPF can now be used for healthcare purposes.</b> Members can use their MediSave Account to pay for their own or family members’ medical expenses.</p>",
          "imageUrl": "assets/img/cpf-milestone-1984-ma.webp",
          "imageMobile":"assets/img/cpf-milestone-1984-ma-m.png"
      }
      , 
      {
          "year": "1986",
          "note": "",
          "title": "Approved Investment Scheme",
          "description": "<p><b>Members were allowed to use part of their CPF savings for investment,</b> including buying gold, or approved listed companies, unit trusts and stocks. Over time, this evolved into today’s CPF Investment Scheme. </p>",
          "imageUrl": "assets/img/cpf-milestone-1986-investment.webp",
          "imageMobile":"assets/img/cpf-milestone-1986-investment-m.png"
      }
      , 
      {
          "year": "1987",
          "note": "Minimum Sum Scheme",
          "title": "Minimum Sum Scheme",
          "description": "<p>A portion of the member’s CPF savings is set aside for this scheme, and after they reach the retirement age of 55, the money will be given in the form of monthly payouts to cover their living expenses in the long run.</p><p>Previously, members could withdraw all their CPF savings when they turned 55. However, with Singaporeans living longer, withdrawing all the money increases the risk of members outliving their CPF savings.</p><p>In the same year, the government also started to allow members to top up their own or parents’ Retirement Accounts with cash or CPF savings if the existing balances were insufficient.</p>",
          "imageUrl": "assets/img/cpf-milestone-1987-minimum-deposit.webp",
          "imageMobile":"assets/img/cpf-milestone-1987-minimum-deposit-m.png"
      }
      , 
      {
          "year": "1989",
          "note": "",
          "title": "CPF Education Loan Scheme",
          "description": "<p>Members can use their CPF savings to pay for their own or children’s higher education tuition fees.</p>",
          "imageUrl": "assets/img/cpf-milestone-1989-education.webp",
          "imageMobile":"assets/img/cpf-milestone-1989-education-m.png"
      }
      , 
      {
          "year": "1990",
          "note": "",
          "title": "MediShield Scheme",
          "target":"<b>所有公积金会员</b><br><small>16 - 55岁的新加坡人和永久居民</small>",
          "description": "<p>An optional health insurance plan where members can use their MediSave to pay for the premiums.</p><p><small>(MediShield was replaced by MediShield Life in 2015.)</small></p>",
          "imageUrl": "assets/img/cpf-milestone-1990-ma-insurance.webp",
          "imageMobile":"assets/img/cpf-milestone-1990-ma-insurance-m.png"
      }
      , 
      {
          "year": "1998",
          "note": "Transfers between accounts allowed",
          "title": "Transfers between accounts allowed",
          "description": "<p>Members can transfer funds from their OA to SA, up to a maximum of $40,000, thereby increasing their savings available for retirement. The SA’s interest rate is 1.5 percentage points higher than the OA’s. The CPF Board subsequently set a floor rate of 4% per annum for the SA in 2008.</p>",
          "imageUrl": "assets/img/cpf-milestone-1998-transfer.webp",
          "imageMobile":"assets/img/cpf-milestone-1998-transfer-m.png"
      }
      , 
      {
          "year": "2002",
          "note": "ElderShield Scheme",
          "title": "ElderShield Scheme",
          "description": "<p>A non-compulsory severe disability insurance scheme that members are automatically enrolled in when they turn 40. The premiums are paid by MediSave, and Singaporeans can make claims in the event of severe disability. <br><small>(This scheme was replaced by CareShield Life in 2020.)</small></p>",
          "imageUrl": "assets/img/cpf-milestone-2002-eldershield.webp",
          "imageMobile":"assets/img/cpf-milestone-2002-eldershield-m.png"
      }
      , 
      {
          "year": "2007",
          "note": "",
          "title": "Workfare Income Supplement scheme",
          "description": "<p>Mainly targeted at workers whose earnings are in the bottom 20%, wage supplements and CPF top-ups are provided to ensure that lower-wage workers have adequate retirement savings.</p>",
          "imageUrl": "assets/img/cpf-milestone-2007-workfare-income-supplement.webp",
          "imageMobile":"assets/img/cpf-milestone-2007-workfare-income-supplement-m.png"
      }
      , 
      {
          "year": "2009",
          "note": "CPF LIFE",
          "title": "CPF LIFE",
          "description": "<p>Official launch of a lifetime insurance annuity scheme that provides retired members with monthly payouts for the rest of their life, so that they never have to worry.</p>",
          "imageUrl": "assets/img/cpf-milestone-2008-cpf-life.webp",
          "imageMobile":"assets/img/cpf-milestone-2008-cpf-life-m.png"
      }
      , 
      {
          "year": "2014",
          "note": "",
          "title": "Pioneer Generation Package",
          "description": "<p>Annual MediSave top-ups were provided for the Pioneer Generation in 2014, as well as higher outpatient care subsidies to help these seniors lower healthcare costs.</p>",
          "imageUrl": "assets/img/cpf-milestone-2014-merdeka-gen.webp",
          "imageMobile":"assets/img/cpf-milestone-2014-merdeka-gen-m.png"
      }
      , 
      {
          "year": "2016",
          "note": "Silver Support Scheme",
          "title": "Silver Support Scheme",
          "description": "<p>Quarterly cash supplement were given to seniors who had low incomes during their working years and now have less in retirement.</p><p>When introduced in 2016, eligible seniors aged 65 and above received up to $750 every quarter, an amount which increased to $900 in 2021 and $1,080 in January 2025.</p>",
          "imageUrl": "assets/img/cpf-milestone-2016-silver-support-scheme.webp",
          "imageMobile":"assets/img/cpf-milestone-2016-silver-support-scheme-m.png"
      }
      , 
      {
          "year": "2019",
          "note": "",
          "title": "Merdeka Generation Package",
          "description": "The Merdeka Generation received $200 in MediSave top-ups annually from 2019 to 2023. The Government also provided higher subsidies for their outpatient treatments.</p>",
          "imageUrl": "assets/img/cpf-milestone-2019-merdeka.webp",
          "imageMobile":"assets/img/cpf-milestone-2019-merdeka-m.png"
      }
      , 
      {
          "year": "2024",
          "note": "",
          "title": "Majulah Package",
          "description": "<p>Support for eligible working Young Seniors born in 1973 or earlier, by providing an Earn and Save Bonus of up to $1,000 a year. Those with CPF retirement savings below the 2023 Basic Retirement Sum also received a one-off Retirement Savings Bonus.</p><p>All Singaporeans born in 1973 or earlier also received a one-time MediSave Bonus.</p>",
          "imageUrl": "assets/img/cpf-milestone-2024-young-senior.webp",
          "imageMobile":"assets/img/cpf-milestone-2024-young-senior-m.png"
      }
      , 
      {
          "year": "2025",
          "note": "",
          "title": "Closure of Special Account",
          "description": "<p>CPF members aged 55 and above used to have both a Special Account and a Retirement Account.  To ensure that the CPF scheme remains fair, starting from 19 January 2025, members aged 55 and above will only retain their Retirement Account, which will continue to enjoy a higher long-term interest rate.</p><p>The following have been enhanced in 2025: <ul style='text-align:left;'><li>Increase CPF contribution rates for senior workers</li><li>Silver Support Scheme: The qualifying monthly per capita household income threshold increased from $1,800 to $2,300; the quarterly payout increased by 20%, ranging from $215 to $1,080.</li><li>Workfare Income Supplement Scheme: Qualifying monthly wage cap raised from $2,500 to $3,000; Eligible employees can receive up to $4,900 per year in payments.</li><li>Matched Retirement Savings Scheme: Grant cap increased from $600 to $2,000; age cap of 55 years old lifted, members above 55 years old can also benefit from this scheme.</li></ul></p>",
          "imageUrl": "assets/img/cpf-milestone-2025.webp",
          "imageMobile":"assets/img/cpf-milestone-2025-m.png"
      }
      ]
  }