I just realized that this article was in draft mode and partially completed while blogging on our CPF 2020 update. Here it goes, one year late. lol.
KPO's CPF
I was transferring OA to SA for higher interest once I started working and blogged about it here - CPF Milestone ($40k in Special Account) and The Power of Compound Interest. I stopped transferring and began to build up OA to prepare for our BTO HDB downpayment in 2018. There was a change in policy (HDB 想通了/achieved enlightenment. lol) and we can now keep up to $20,000 in OA. You can read about why we do not wish to wipe our OA here - Chiong Housing Loan or Take It Slow?
In 2019, we paid the remaining downpayment for our BTO, hence you can see a drop in OA. The plan now is to keep at least $20k in OA as a buffer in the...