This is probably something that quite a handful of CPF members struggle with. Although I cannot say that what has worked for me would definitely work for them, I can say, if we believe in having some investment grade bonds in our portfolio, that it is something worth considering. Hello AK, I have been a follower of your blog and I have one question to ask. I like to take the low risk style to invest, and that's why I have been investing in unit trusts and shares like Singapore Airlines and Singtel. 
However, I realised that we can do self top ups to Special Account, which will earn a guranteed 4% per annum interest.  
Considering that is risk-free, I think it is a worthy decision to transfer my investments to this special account.  
Do you think I should transfer to the special account? ......