我问了 CPF，看来之前理解的确实有偏差。简单来说，top up 进 SA 的钱能不能提取，要看
1 如果 55 岁时 OA + SA 里除去 topup及其利息的钱超过 BRS 而且愿意用房产抵押。那可提取 RA - BRS - Topup
比如 OA + SA 薪水收入有 10w，top up 了 10w。BRS 9.1w。那可提取现金 20w-10w-9.1w=9000. RA 里剩 19.1w，其实就能等于 FRS 了，还要抵押房产，应该没人会去这么选。
2 如果 55 岁时 OA + SA 里除去 topup及其利息的钱不超过 BRS，那可提取 5000
比如 OA + SA 薪水收入 6w，top up 了 14w. BRS 9.1w。那可提取现金 5000。RA 里剩余 19.5w。
换句话说，top up 进 SA 的钱，只有在 RA 超出 FRS 时，才能提出超出部分。不然的话，会被强制留在 RA 里。
其实有些楼说的对
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**.
Huasing Association 1999 - 2013