Regular readers would have guessed what this blog post is about. Letter number 1 from a lady: Hi ASSI, Sorry if I sent this email to the wrong email address, not sure if this is only meant for ad enquiries only. I enjoy reading your blog and these few days I keep coming across CPF-SA on your blog. It got me thinking about whether I should transfer some $ from OA to SA. I just realised I have abt $50k in my OA and $20k in SA. Is there a cap on the amount transfer-able from OA to SA? I read about a $7k limit but it seems to be voluntary contribution cap as well as tax deductible. I'm in my 20s, married with kids and have a HDB loan but it is not serviced with my OA. Do you think it is advisable for me to transfer as much as possible to my SA account? ......