CPF member age 55 (RA @ ERS)(MA @ BHS) Shielding SA may lead to 86.54% (Age 55-59) of contribution allocate to OA, locked-in & behind SA. Are there any useful options to manage the lock-in fund in OA?

Hi Mr.Seet,

You can do shielding for both your OA and SA, should your balances be enough. CPF will only take up to your FRS amount, not ERS @ age 55.

The idea behind more OA being allocated to your RA, is due to the lower interest rate compared to SA. You can release the funds after the RA is formed, to do your own investments on your OA.

There are many ways to manage your OA funds, if they are not locked in into the RA, however based on your time frame, that window will be short. Your risk tolerance will also determine your instruments used for yourself. It is definitely a complex situation, with many variables involved. If you require assistance, do create a contact request, then we can figure out what might best work for yourself.

Hope i was able to address your queries!​​​