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Why I won't be transferring my CPF OA to the SA

Gains do not outweigh opportunity cost; contributing cash to the SA a better option to save for retirement

CASH TOP-UP METHOD: You are deploying cash yielding nothing into an account yielding something. The interest rate differential is a lot more significant than what you get by shifting the OA to the SA.

RECENTLY, the media has highlighted the Central Provident Fund (CPF) as a way to build up one's savings. Financial bloggers, too, emphasise the CPF's importance from time to time.

One idea out there is how one can transfer one's monies from the Ordinary Account (OA), meant for housing...

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