The CPF is a risk free and volatility free retirement funding tool that Singaporeans should learn to take advantage of. However, depending on what we want it to do for us, the way we use it would be different. Hi AK! Can I ask u for some advice.. or rather ask u to talk to urself! My wife and I r both self employed, and I want to boost our CPF SA account, but I'm not sure whether we should boost just one or both accounts.  My SA has Xk and i'm XX, she has Xk and XX, and I'm thinking if we both contribute to her account, its quicker to reach the minimum sum and exceed that, so we can draw out a lot in excess of the MS when she reaches 55, whereas if we contribute to both i have to work harder to reach the ......