I am getting my house in 2 years time. Do you recommend if I throw my OA into SA and pay off my monthly mortgage using the OA I got every month from my pay? Should I leave some OA in case I lose my job?

Hi Sir, just curious since the post is 2021 and what is the otutcome now which can share with the community.

personally, buffer some OA in case due to work retrenment or job opportunities that you may change of job . I will keep 12

months for load repayment and excess transfer to RA. However, it is one way trip,

in future if you need to pay loan or education loan to kid, it is not able. Think which is your best plan .

Please do buffer.

About 6-12 months of mortgage payment in the event of an emergency. The objective for this is to give your family peace of mind in the event if rainy days come.

First of all, if my wife and i were still young couples, we would allocate enough for a down payment for their BTO flats. Subsequently, we would cater enough for about 6-9 months of mortgage payment in the event of a "stormy day". Lastly, I would transfer all the rest to be transferred/invested into the CPF SA for myself.