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Old 26-09-2014, 03:37 PM
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Should I top up my CPF special accounts to the max? At least the risk is lower and still can generate 4% return?
Yes, pls do. I topped up my SA (from OA) to the max amount (the Min Sum) about 10 years ago. My CPF SA now has about 190k. I did the same for my wife. She has 180k in her SA too.

Don't be entrapped by people saying that SA is so much more restrictive compared to OA. The truth is that both are very bad accounts (lifetime entrapment) and hence you gotta make the best out of an unfavorable situation.

When you ultimately leave the country (not an option for everyone), you will still get back all your CPF regardless of whether they were in OA, SA or MA.

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