If you are turning 55, learn more about how CPF SA shielding can allow you to potentially earn a higher interest rate on your CPF savings, and the risks in doing so. What is CPF SA Shielding? If you are searching around for tips to maximise your CPF accounts, you might have come across the term Special Account (SA) Shielding. As the term suggests, SA shielding is all about ‘shielding’ as much of your SA funds from flowing into the Retirement Account (RA). It is more relevant to those who are turning 55 years old soon. When you turn 55 years old, CPF will create your RA for you, on top of your existing Ordinary Account (OA) and SA. The RA is mainly for your retirement needs and also determines the amount of CPF Life payouts you would receive at age 65 or 70 years old. Once your RA is created, current funds from both your OA and SA will automatically  ...