Reader: May i get your advise on this matter. Am going 52, meet Full Retirement Sum (FRS) with excess. So OA, SA and MA all met limit. I read your blog said its good to do Voluntary Contribution (VC) to CPF. Questions: 1. If i do a VC, where or which account will the money go to since all 3 accounts had hit limit? 2. Can i withdraw the VC that i put in with interest together with my excess above the FRS at 55? Thanks for your advise in advance. AK: Please remember the CPF Annual Contribution Limit (i.e. $37,740 which is 17x of CPF monthly salary ceiling of $6,000 x 37%). How much Voluntary Contribution you can do depends on how much Mandatory Contribution (from employment) is made in a year. Of course, if you are retired or unemployed, then, there is no mandatory contribution. In your case, Voluntary Contributions will flow into your OA and SA. Nothing goes to your MA ... ...