A common working adult dilemma In our Seedly personal finance community discussion recently, we found that one of our avid members posted an article on his/her own experience behind hitting the magical number of $40k in the CPF SA (special account). We soon found out also that in the discussion, this seems to be a recurring topic most working adults consider on a daily basis as seen in the CZM blog. Even CPF often advocates topping up of SA balances to plan for retirement early. Hence, this article serves to bring you the hard facts and share with you when you the considerations behind topping up your SA using your OA or Cash. TL;DR: It’s all about 2.5% vs 4.0% Essentially this act of topping up the SA account is about your retirement funds compounding at a faster rate of 4%+ risk-free rate. By doing this action:  It locks ......