Top up your CPF Special Account. Claim the CPF matching grant. If you’re eligible, topping up your Retirement or Special Account can get you a matching grant of up to $2,000 a year, capped at $20,000 over your lifetime. If you don’t want to top up with cash, shifting money from OA to SA or RA raises your interest rate from 2.5% to 4%. Singapore turns 61 this year, and investors are not short of ways to grow their money either.