Is there any difference in interest if i top my CPF SA or RA account with cash? If not, how would u choose whether to top up SA or RA account?

If you already have a CPF RA account, cash top-up will only goes to RA not SA account

Hi anon,

This is fixed depending on your age when you top up.

The only way to top up specifically SA/RA is via Retirement Sum Topping Up or RSTU. The money will go to your SA if you are below 55 and have not reached FRS.

If you are above 55 and top up via RSTU, the money will go to your RA instead. You won't be able to top up your SA directly. The only way is to do 3-account voluntary contribution subject to the CPF annual limit.

I'd top up directly to SA for both tax savings and the 4% interest. I'd top up directly to RA if I wanted to increase my CPF Life payouts later in life.