Come 31 December, the CPF interest will be credited to the respective accounts (Ordinary Account (OA), Special Account (SA) and Medisave Account (MA), for those below 55 years old), and for CPF enthusiasts this is the day worth looking forward to. While I would not be delving into the intricacies of the CPF accounts’ interest rates and allocation, which are covered extensively by other blogs and of course, the information is readily available from the CPF website, for this blog post I will cover an important aspect pertaining to investing with CPF. First, let us look at this diagram (Figure 1): Fig.1: What if you have more than the Basic Healthcare Sum? (source: CPF)  For information, the current year’s Basic Healthcare Sum (BHS) is SGD 68,500 and from 1 January 2024 it will be SGD 71,500. So, looking at the flow on the left side, if the 2023 MA interest is more than enough to cover until the BHS limit for 2024,...