Personal finance is an interesting subject which is really“ Personal “ as there are many factors affecting a person or family’s finances – how much to keep as saving vs investing , to buy term or life insurance , to take up HDB loan or from private banks , to buy HBD or Condominium and of course the hottest topic of CPF ( to transfer our OA to SA or do a voluntary cash top up into SA account) ? Recently , my friends & famous financial bloggers ( Chrisfrom Growing your tree of prosperity , Uncle CW8888,SGBudgetBabe ) gathered together to give a talks about “CPF Optimization for Retirement (here)” You may find some of their thoughts and ideas ( here ) : as you may see , there were different opinions and views about the issue even from the speakers and of course the attendants......