After changes in sa closure at age 55, should we still VCMA first or RSTU? Please kindly share your thoughts. Thanks

VCMA better I think, then it will overflow to other accounts after hit BHS. With SA change or no change.

Before 55, RSTU is to top up SA up to prevailing FRS, and the top up money plus interest are reserved for RA, which implies that you can't withdraw them from RA at all.

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If you are thinking of choosing VCMA or RSTU because of tax relief, then VCMA would be better because it is not reserved for RA.

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After 55, RSTU goes to RA, the closure of SA doesn't affect this. Again for tax relief purpose, VCMA is better.