This blog post is inspired by a comment by a reader, Lee Jiahui, who thinks that the "SA is last priority to throw cash at", preferring to top up "self SRS or parents or children's medisave account". To read the full comment, please go to my FB wall. Since I always say that we should beef up our CPF-SA and do it early, what is my response to this comment? Well, in a nutshell, what a person does would depend on his objectives. The purpose of the CPF-SA is to fund our retirement and cannot be used for other purposes unlike the CPF-OA which although is meant to fund our retirement ultimately can be used for myriad purposes. Discounting the additional 1% for the first $40K, the CPF-SA pays a 4% per annum base rate which, if given time and a boost very early on, will result in almost magical results. The...