Definition of "peer pressure": A feeling that one must do the same things as other people of one's age and social group in order to be liked or respected by them. (Source: Merriam Webster Dictionary) Reader says... In my 20s, I already had the intention of transferring the monies from my OA to SA. I also intended to make voluntary contribution to my CPF accounts at that point of time. I told my friends about my intention and they criticised my plan and called it a "stupid" idea. As a result, I did not execute my plan. I finally took action when was 38 years old two years ago.  I transferred the maximum allowed from OA to hit FRS in SA without telling anyone then.  Of course, my OA was significantly reduced after the transfer. Going forward two years, my OA balance surpassed my SA once again due to mandatory contribution from my active employment. I have no regrets doing the OA to SA transfer ......