If there is an insufficient amount in your bank CPF account, GIRO deduction would be unsuccessful and there will be no Unit Trust RSP investment for that month. For 00a0 Unit Trust RSP via cash, there will be no penalty. However, your Unit Trust RSP will be terminated after 3 consecutive months of unsuccessful deductions. For 00a0 Unit Trust RSP via CPF, a penalty charge may be imposed by the CPF bank. Your Unit Trust RSP will be terminated after 3 consecutive months of unsuccessful deductions. Please ensure that you have sufficient funds in your account before the deduction date (T-3) to prevent failed deduction. A failed GIRO deduction fee may be imposed to your account by your bank. Please reach out to your bank should you require further clarification.