Would it be worth it to invest the OA amount to T-Bills?

I personally did weigh this option against the "compounding" interest of base 2.5% in CPF OA account.

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Took a "trial run" of 6-month T-Bills, to see if the net gain of extra 1.X% over the base 2.5%, is worth the extra steps and effort anot.

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Tip : You can choose to buy 6-month T-Bills, and decide once the lock-in period matures, instead of 1-year versions. More flexibility is exercised there as well.

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Tip 2 : Might want to consider putting just a fixed $5k or $10k into T-bills and see if this is a viable option, without losing out on the main CPF-OA 2.5% interest (due to low fixed sum of up to $10k withdraall for T-Bills).

You would have to calculate the cut off yield for T-bills in lieu of compounding interest of the CPF.

Isnt the cpf interest rates high?

I did invest my OA surplus in T-bills. Why not, right? It's as easy as clicking a few buttons on the DBS app. And I can just invest for six months and forget about it (probably gonna buy T-bills again when the time comes)