Anonymous
What should you do? Consider that a person is 58 this year with only 35k in RA, and a liquid and safe investment of 50k that returns 2.5% annually (not refering to OA here). Assume that house is fully paid, with sufficient cash on hand for daily expenses, would it be better to topup the 50k into RA, or leave it as it is.
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CPF life will still offer the best payout over times. Consider putting into RA (up 7% return annually) as this person is 58, when reach 65 payout will start.