33M. married with a lovely BTO HDB. no kids but planning to have soon

OA = 21k (~40k in CPFIS, invested all in blue chip REITS to get 5% returns annually )
SA = 110k (yes i pumped most of my OA into SA but still keep at least 20k in OA)
MA = max out to BHS ($68500)

personally, i feel that one should max out MA first. reason being any amount which flows into MA after hitting BHS will overflow to SA.

my next goal will be to max out my SA to FRS so that it will overflow into my OA. hope to achieve this soon.