One of the key aspect to achieving early Financial Independence is to optimise the returns of your wealth. However, many people focuses primarily on building up their cash bags and neglect the other bulk of their savings, the CPF. Although our CPF savings cannot be withdrawn before the age of 55, it is important to start acting early, to take advantage of the risk-free interest rate on our CPF savings. One of the available CPF schemes is to transfer OA savings to SA account (OA-SA transfer). What is the difference between OA and SA account? Unless you have just started receiving periodic contributions to your CPF, you deserve a knock on the head for asking this question. Nonetheless, Max has created a simplified poster below to highlight the main differences between the two accounts. In the discussion to accelerate growth of your retirement savings, the higher interest rate earned ......