Hi AK, A quick intro about myself. I am 34 this year, staying in a bto hdb flat and have existing housing loan of $20k outstanding (serviced by my wife and myself). Checking with you on my strategy for CPF. I have around $5k in ordinary account, and $145k in special account. Already met my min sum for medisave. Am hoping to hit my S.A. min sum when I reach 35yo. My thinking is that once my min sum (FRS of $166k) for S.A. is met, all employment contribution will flow into my ordinary account(~$2k a mth), and I would be able to hit around $500k when I reach 55 ( $24k x 20yrs - not including contribution from bonuses) and withdraw this amount. Am I missing out on anything here? Thanks! Hi, Once you have hit the FRS, you will still be making mandatory contributions to your SA......