Asked on 21 Jun 2020
VC3A goes to 3 accounts. Housing refund only refunds to your OA.
You will be able to withdraw all amount above FRS after 55.
VC3A has a limit of 37k per year (including Mandatory Contributions). Thus I would suggest you to VC3A till the limit and if you want to top up more to your OA, do housing refund.
23 Jun 2020