Reader says... My colleagues have the thinking that they probably won't have chance to take out their CPF money as the govt keep shifting the goalpost. Hence, since "cannot" take out, might as well use the money to buy another property or upgrade their property. They don't want to do OA to SA transfer because it means even more no chance take out. But I say can earn 4% hor. They don listen. Hmmm... AK says... Like with anything in life, what we believe will determine what we do with our CPF savings. What I have done in my blog is simply sharing my beliefs and the results which acting on my beliefs have achieved. Some people share my beliefs and some people don't. This is life and only natural. We can bring a horse to water but we cannot make the horse drink the water ......