Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (7) Too bad that Uncle8888 only started tracking his CPF SA starting from 2003; otherwise his data set will be more convincing. With only one top from CPF OA to CPF SA; his CPF SA has managed to achieve CAGR @ 7.6% from 2003 to 2010 ineight years. How is this possible with any further top from CPF OA to CPF SA? Do we forget that we have annual salary increment and every few years salary adjustment to market practice? Some years we have larger bonuses and some years lesser. We also have promotions that will lead to higher salary, higher annual increment, and higher bonuses. All these higher and higher high will eventually add up. In this way, our CPF SA will be compounding at more than 4% p.a! If we are REALLY so scare of not meeting our CPF ......