Will you change your strategy if CPF interest rates drop below 4% for SA, e.g. 3.5%?

I wont change my strategy but the end goal of 4M65 might be reduce to e.g. 3M65. But it would be still be the least risk path to be a millionaire that I know of.

Mr Loo mentioned:

2.5% of OA is bound legislatively and will be hard to change. Change in the interest rate for SA, however, is entirely possible but low probability.

First, the change will come at a political cost. Quite a few citizens are already unhappy that their money is locked away for many years, and a further drop in interest rate is going to fuel their anger. It will definitely not be good to the ruling party then.

Next, assuming the Government has to decrease the interest rate, it may a last resort. Despite challenging and the uncertain economic situation now, the interest rate for SA still holds at 4%. While there is a chance the interest rate will fall (due to some situation or catastrophe), it can still be the best option out there with no better alternatives around (just like now).