A Challenging Macro-environment Ahead, how do Singapore businesses cope?The IMF once again downgraded its growth forecasts for the global and Asian economies, signifying a shrinking global demand, impacting many export-oriented economies, including Singapore. Domestically, the MAS maintains its policy which sees a continued appreciation for the Singapore Dollar due to inflationary pressures. With such a challenging macro-environment ahead, how will Singapore businesses cope? Financial Planning 101: Topping Up CPF with CashBesides investments with spare cash in hand, another possible consideration is to top up one’s CPF account. According to the CPF Board, 38,200 top ups were made last year. How does a CPF top up work? What are the factors to consider when making a top up?