For the benefit of younger readers, the reader who hit the FRS in his CPF-SA at age 30 has decided to share his thoughts in great detail. Reader says... This is not about me per se. It is also about helping the next young person who is thinking of topping up his CPF. ???? Everyone has different backgrounds, incomes, obligations but sharing some reasons for me to hit the FRS early and to fully maximise our CPF systems. 1) The yearly increase in FRS should be covered by the interest of 4% each year. This means you are likely to meet the FRS when you hit the retirement age. I estimate the FRS to be approx $346,815 in 25 years assuming 3% increases but my SA would be a lot higher since it is compounded at 4% and my contributions to SA from work is not added in yet as well as the flow over of interest from MA ......