Although I hope I wouldn't have to do it, if things should go terribly wrong, I might have to withdraw some savings from my CPF account in future.
So, I will have a newly created Retirement Account (RA) at age 55.
Funds will be taken from from my Special Account (SA) to make up the Full Retirement Sum (FRS).
For those who do not have sufficient funds in their SA, funds will be taken from the Ordinary Account (OA) to make up the shortfall.
Of course, we can also intentionally make it so that we have insufficient funds in our SA so that funds from the OA will make up the bulk of the funds to be transferred to our RA.
This might or might not change in future but, as of now, this hack is still possible.
If you are interested in finding out more, you could read the following blog and newspaper article.
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