In Singapore, some of us personal finance geeks, financial bloggers or salaried workers accumulating for retirement look forward to one thing in January every year – the CPF yearly statement. This statement summarises the transactions and contributions of our CPF accounts – a scheme initially implemented for retirement but now has expanded to cover housing, education and medical needs. Nothing gets us more excited than looking at the interest we had accumulated. However, my historical CPF OA always had around $20,000 even though I have already been working for many years. That was because I always repay my housing loan whenever my OA accumulates above $20,000. So, I usually would get around ~$500 interest every year for my OA. I sold my house for the past year, which refunded my OA about $120,000 around Oct 2020. I then reinvested all the additional money with CPFIS in November and kept my CPF OA around ~$20,000....