Hi, I have already reached the FRS, and am no longer allowed to transfer my OA to my SA. What else can I do to emulate your CPF investment journey please? Should I top up my MA? Thank you.

Just my 2 cents, there are many ways to maximize your CPF. Following are some;

1. Since you have reach the ceiling of SA & MA for current year, you still be able to top up the differrent to the new ceilings in subsequent years, i.e. SA is $7k per year. Not sure about MA.

2. Top up your loved ones' RA by cash if they have not reached their ceilings. Besides earning higher interest for them, you can claim $7k tax rebate automotically.

3. You can top up the shortfall of max annual CPF contribution of $33740. CPF will allocate it to various accounts but I guess it will be OA for u. Any excess will be credited back.

You can do that online. Alternatively, you can make an appointment to CPF board at begining of the year to review the accounts and make the top ups. ​​​

Hi.

How far are you away from your Basic Healthcare Sum (BHS) ?

Also, are you currently still working?

If you have not achieved your BHS, you can consider topping up to ensure that you hit the BHS.

Once you've attained the BHS, CPF will prevent you from topping up anymore monies to your MediSave account.

The only way you can further leverage on the CPF investment journey is through your employer contributions or your own Mandatory Contributions (MC) if you are self employed.

So.. do calculate how far away are you from your BHS, before making a wise decision whether or not to top up to your MA.

All the best to you in your CPF journey :)