看你想要留多少来以后每月拿钱，只想要留BRS，而想要拿出其他的钱，那就要小心，因为是RA-BRS-RSTU , top up的要全部留在里面，而会多给你每月发钱，这和你的计划相悖。 　

如果你的计划是以后RA账户多留钱，每月多拿钱，那就留下FRS甚至ERS, 这时候top up的钱在里面就在里面无所谓，反正你没计划要拿,你计划是每月多拿生活费。

　*In Year 2016, the Basic Retirement Sum is $80,500. The Full Retirement Sum is twice of BRS at $161,000. The Enhanced Retirement Sum ($241,500) is thrice of BRS. These schemes have replaced the previous concept of minimum sum.

还有这句话：由于是And, 所以超过FRS还是可以提出的，

Upon turning age 55, a CPF member can withdraw cash from his CPF OA and SA. The CPF withdrawal rules are:

• $5,000 OR your OA and SA savings above the Full Retirement Sum (FRS)*, whichever is higher

And

• Any RA Savings (exclude top up monies, government grants, and interest earned) above the Basic Retirement Sum (BRS) that comes with a sufficient property pledge**.