As remembered, after completed all my Voluntary Housing Refund (VHF), the money goes into CPF OA. ( VHF is to return all the money loan from my CPF OA account to buy housing ) .

To get higher interests, I have it moved to CPF SA which has Max limit of 186K (FRS). This is through CPF OA to SA Transfer. There is still a little room for more and as earlier blogged, after selling my Singtel discounted shares, the money also go to CPF OA. I have it moved to max out to current CPF FRS allowed.

Then after, to increase my SA further allowed other than through Salary Income, I will need to proceed with Voluntary Contribution to my 3 Accounts (VC3AC). There is no tax benefits for this step. The key benefit is to get access to CPF SA 4% Interests. The ratio distributed to my CPF accounts are as follows.

Now at age 51,

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