For those who have reached FRS in their 30s or 40s, what are the things to focus next if we want to take full advantage of CPF policies?

I think put $$$ SA is better, if want to reduce tax. If want invest is better to use cash rather than SRS.

Because u will be tax if you withdraw more than $40k p.a from SRS. And you must withdraw all within 10years. Is either u been tax now or tax later.

If you are 30s, you got 30+years for $$$ to compound, ur srs definately more than $400k by then? Then u definately get tax.

And remember to invest ur SA just before 55, to move ur SA money away from the account before RA is created

https://www.cpf.gov.sg/Members/Schemes/schemes/...

Hi anon,

Given that the bulk of CPF contributions will now flow to OA as you have reached FRS, (and presumbly, BHS is already achieved as well), then there shouldn't be a need to invest in OA to build up an amount for SA shielding, unless your OA is being used to service a housing loan, and the OA balance isn't increasing at all.

Investing has its risks and if you cannot stomach it, leaving it in CPF to earn a risk free 2.5% to 4% is not a bad idea too.

SRS can be considered for tax relief if you wish, assuming you hit the CPF annual limit every year. I'd invest the SRS monies as well, but with a long term view since I can't withdraw it till 62.