Though topping up SA do give an attractive 4% compounded interest, the transfer to SA is locked and can't be withdrew at any point of time until you reach age 55. Unless you do not have any big ticket item (such as wedding, house renovation) coming up in the next 3 to 5 years, you can consider doing yearly deposit into your SA as retirement planning.
It is best that you set aside at minimum of 6 months emergency funds and ensure that you have sufficient savings to pay your monthly expenses when considering the amount to put into the start up company. This also depends on the nature of business you are looking at to decide the capital needed.
In Singapore, the Intestate Succession Act mandates that in the event of death of a non-Muslim sole owner who has not left behind a will, the priority of distribution is: - Spouse, children - Parents - Siblings - Grandparents - Aunts and uncles https://singaporelegaladvice.com/law-articles/hdb-flat-owner-pass-away In this case, it will go to your siblings.