The previous article was a humongous success with so much interaction, I actually had to censor some comments from some angry FAs. This clearly means that citizens can be passionate about the CPF programme without resorting to unreasonable antics like those of Roy Ngerng.  Seeking a solution to plug the CPF Shielding loophole is not too much to ask for. Today, I would like to raise three points after readers have provided their feedback on my initial post : a) $40,000 / $20,000 of the CPF SA/OA cannot be shielded One reader pointed out that certain components of CPF-SA and CPF-OA cannot be shielded, so in my example in the first article, the advantages were overstated. If you have $280,000 in CPF-OA, you will are prevented from dumping $20,000 from CPF-OA, so you will have an extra 1.5% x $260,000 or $3,900 a year from successfully executing the...