Reader says... As you were showing your SA amount i was wondering how come it can b higher than the FRS? I tot SA amount should be capped at FRS. How did u accumulate $200K+ in your SA? AK says... Once our CPF-SA has hit the FRS, no Top Up is allowed. No OA to SA transfer is allowed either. However, mandatory contribution and voluntary contribution are still allowed up to the annual contribution cap (i.e. contribution that goes into all 3 accounts) every year. CPF-SA will also continue to grow from interest earned year after year even after it hits the FRS. The former Minimum Sum (MS) and, now, the Full Retirement Sum (FRS) are not monsters we should fear. The FRS has to increase year after year as cost of living increases year after year. If we push more money into the SA earlier on in life and continue to be gainfully (and ...