I have made top-ups to my Special Account before 55. What will happen to the top The top-ups to your Special Account and accrued interest earned before you turn 55 will be transferred to your Retirement Account (RA) when you turn 55, up to your Full Retirement Sum (FRS). Top-up monies are meant to build up the recipient’s retirement savings and cannot be withdrawn for other purposes. Read more on how the top-ups will be used. If you have savings in excess of the FRS, you can apply to withdraw them for your immediate needs, as and when you need it. Alternatively, you can choose to set aside more retirement savings (up to the current Enhanced Retirement Sum) by making top-ups to your RA to enjoy higher monthly payouts in retirement.