How can I max my SA if CPF says I am unable to contribute $7k cash top up to my SA as it has already met the minimum retirement sum (currently $100+k)?

If I have just reached FRS, from OA = SA, so how do I grow towards ERS? I will still be working for the next 20 years (hopefully) and now CPF doesnt allow me to top up/transfer further into SA. Understand monthly work contribution will still be allocate to 3 accts accordingly but most importantly is how I can hit the ERS?

Hi Min,

When your CPF SA hits the FRS, your contributions from work will still be credited to your SA. Furthermore, interest earned on the SA account is also credited to the SA. This is how your SA continues to grow even if you cannot top it up via OA to SA transfer or cash topups if you have already hit FRS. Considering the effects of compound interest, it is very possible for your SA to grow rapidly especially if you are still working and contributing to CPF.