What is the best way to accumulate CPF savings before turning 55 years old but can no longer top up SA?

Best way is to do VC to 3 accounts! :)

Hi anon,

If you can no longer top up SA, then you have hit the FRS. RSTU is always allowed if you have yet to reach FRS. If you have hit FRS, you can't transfer OA to SA either.

In this case, you may consider making a voluntary 3 account contributions if your mandatory contributions to CPF from work (employer and employee) has not yet exceeded the annual limit of $37740 (as of this point of writing).​​​