I'm 35 with 2 kids (P1 & K1), we have fully paid up our 4 room hdb flat with OA, now we are slowly building up our OA, thinking since now we do not have any use for OA, is it wise to transfer to SA?

1) depends on hw much more to FRS. (2) transfer if you do not intend to use cash to top up (to get tax relief)

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bare in mind that as your income grows from now till 55 (19 yrs) your income tax can be substantial

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I used to top up the maximum $7k to my SA account every year to get tax relief. just be aware that if you transfer money from your OA to SA, the amount in which you can top up to your RSTU will be reduced accordingly