Reader says... It's the first time I did a VC to my CPF as I have already hit my FRS. I was surprised to see that part of my VC actually went into my SA account. I thought all of it will go into my OA. I am still employed and I will be getting Mandatory Contribution to my OA and SA. But after going through my last year's CPF statement, I realised that I am very close to the $37,740 annual limit. I know that any excess will be returned to me interest free next year. My questions are, What happens when my MC reaches $37,740? How is the interest in my OA and SA affected? This $2,378.20 will be earning 4% compounded interest in my SA for the next 12 months. How will this interest be affected when I hit $37,740? Do they stop paying interest? ......