What happens to your CPF special account money when it exceed the ERS when you reach 55?

Hi anon,

When you reach 55, your SA balance will be transfered to RA, but only up to the FRS.

To reach ERS, you'll need to give specific instructions to CPF board to do so (e.g. by transferring more from your SA/OA, or by topping up cash). Otherwise, the rest of your monies in CPF SA will be available for withdrawal.