How do I maximise CPF for retirement beside topping up SA? My risk appetite: low~moderate. (Currently have OA:$105K, OA Inv:$120K; SA:$155K, SA Inv:$18K)

You can invest your OA into Funds or ETFs, where you should typically expect a range of 5 - 10% annualized (otherwise it wouldn't be worth investing them).

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I do offer these options, so you can always nudge me here if you want to look at funds that have this kind of performance.

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https://www.facebook.com/luke.ho.54

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