Topping up Medisave gives no tax relief. But if you are concerned about hospital costs n premiums, it could be a good idea. Besides, once Medisave is maxed out vs BHS, any contributions auto-transfer to SA unless your SA is at the level of FRS, it will then flow to OA. One more thing I learned this year, when your Medisave is say maxed out at BHS, and you already have RA account, the interest on Medisave flows to OA. If you have set aside enough, the OA, in this case, becomes like a bank account that always pays 2.5% deposit... Better than SSB and CIMB account!! Just withdraw when you like from OA but I don't think can put back in again. Topping up SA with cash gives up to 7k tax relief for retirement sum top-up. So you pay lesser taxes the following year. If I decide, I would rather go with RSTU to SA and get the tax relief. The reduction in taxes would be used to fund some bill at home or give angpow within the family. BHS is currently 57200 for 2019 and increases by about 3500 each year until you turn 55, and that amount is fixed as the BHS limit for the rest of your life. FRS I believe is 178000 this year, and increases by about 7000 per year. Once your SA reaches FRS, you won't be able to do RSTU anymore, but I believe contributions from employment will not be rejected. I don't think the FRS amount can be fixed. I recall in my conversations at CPF when your Retirement account is opened, then the RA cap is fixed based on when you elect to start the CPF payout. I might be wrong here, but I think payout for my father will auto start when he turns 70 in 3 years. So the FRS for him should be capped at 178000 + 7000x 3. That's how I am interpreting at the moment.