For CPF LIFE payouts, If I already have the ERS amount in my SA at 55, what is the difference if I top up RA to ERS at 55 VS topping up to ERS only at 64 before payout?

Hi anon,

If you leave your SA alone to compound at 4% before you transfer to ERS just before your turn 65, you would get pretty much the same CPF LIFE payout.

The advantage about this is that you have the flexibility to withdraw your SA monies any time, whereas RA monies are locked forever.

I woud leave the excess in SA if I still needed the flexibility. I would transfer to RA if I had adequate resources elsewhere and don't need to worry about locking away an additional ~$93K in RA.