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Anonymous
Because understand that RSTU via cash top ups don't count into RA and is set aside for monthly payouts only. Thanks!
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RSTU is not the same as OA to SA transfer.
Cash top up via RSTU will be set aside into RA at age 55 up to the FRS and used as part of CPF Life Premiums subsequently. However, cash top up and interested earned from RSTU will not be allowed for withdrawal if you intend to withdraw above BRS (with property pledge).
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You also can vc3a then transfer oa to sa