Hi AK: I am currently 37 years old. I am working towards the target of hitting my CPF mininum sum by the age of 40. The current balance in my SA is about 80k. My OA account balance is zero as I have transferred all my OA to my SA account. I have already hit the max limit for my MA of 52k. After reading your blog, I top up at the start of the year to receive free $88 ang pow. :) I have fully repay my 4 room HDB loan and me and my wife have more then 6 months of emergency funds. Me and my wife has no other loans or liabilities. I am thinking of contributing a lump sum cash contribution of 30k into my CPF SA so that the base amount is bigger and compounding at 4% a year means I can ...  ...