Will the interest in my RA keep rolling on even though I've already hit the ERS of 256k?

Hi anon,

Yes, the interest keeps rolling forever. Technically speaking, you won't have RA at age of 40, but I get what you mean.

There is no hard cap on RA or SA. Only MA has a hard cap.

For SA, you cannot top up via RSTU when you have hit the FRS.

For RA, you are allowed to top up to that year's prevailing ERS minus any interest gained. So you can easily have more than ERS in your RA.

At age 40 you have Ordinary Account (OA) and Special Account (SA).

Retirement Account (RA) gets formed at age 55 from the two (draw from SA first then OA) up to max of the prevailing FRS. Excess you can take out.

The interest on RA would roll up (no cap) but used for CPF Life which starts paying at age 65.

(golly the rules are complex)