I am turning 55 this September. I only have 3k in OA. 26K in SA and 53k in MA. I am not working and the most I can top up is 30k to 50k. Should I top up my CPF?

Um. What are your plans for financial support moving ahead? Particularly for age 55-65 since CPF life payouts only start at 65.
Since you are not working, what would be your means of income?

If you have no means of income, then your best bet is to probably rely on CPF life. Keep enough for 55-65 and drop the rest into your CPF RA so it can earn interest asap.

If you have other means of steady income for your later years, then do what you like really. CPF life continues to be a life annuity that the market will find difficult to beat, but you may value liquidity more.

Hi there, you will need to look into the horizon of your money needs.

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Since you mentioned that you are not working, you will need money for your spending.

Putting in CPF will get your money locked up and you have no money to spend

Instead of putting into CPF, you can put into other low risk and short terms investment like SSB, fixed deposits etc.

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Put in an amount such that the amount you have on hand is able to last you till the investments matures.

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