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Daniel Ong

Edited 04 Sep 2021

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How do CPF voluntary contributions get allocated once SA (FRS achieved) and MA (BHS achieved) are maxed out?

As per title.

I'm planning to build my OA balances via the VC route, but wanted to know how the funds would be channelled given max SA and MA.

Would it overflow according to the MA process described here? https://www.cpf.gov.sg/members/FAQ/schemes/Heal...

Last thing I want is for the top ups to be refunded without interest due to miscalculations/misinformation!

Thanks.

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Tan Choong Hwee

04 Sep 2021

Solutions Specialist at Providend

VC3AC will contribute to the 3 accounts according to the allocation rates for your age group, and the max amount is subjected to total MC and VC within annual limit of $37740.

Provided you don't exceed the annual limit, SA contribution will stay in SA, and MA contribution will overflow to OA as you have maxed out FRS in SA and BHS in MA.

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CPF member age 55 (RA @ ERS)(MA @ BHS) Shielding SA may lead to 86.54% (Age 55-59) of contribution allocate to OA, locked-in & behind SA. Are there any useful options to manage the lock-in fund in OA?

Can I do a voluntary contribution to my CPF even when my SA is full, but both my OA and MA have not been maxed out yet?

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