我本来以为取不出来，因为看到这个：
Q How can top-up monies be used?
A
Top-up monies are set aside specifically for retirement needs and can only be used for monthly payouts under the Retirement Sum Scheme, or CPF LIFE1. It cannot be withdrawn in cash or used for any other purposes such as education, investment, insurance premium payments, housing etc.

Top-up monies will form part of your retirement sum. However, top-up monies in the RA will not be taken into account in computing how much RA savings2 can be withdrawn in cash (for property owners), as well as how much RA savings2 can be used for housing purpose and CPF transfers to spouses.

后来我又看到这个。我晕了。
Q I received top-ups before age 55. What happens to the top-ups when I turn 55?
A
If you had received top-ups before age 55, the top-ups and accrued interest in your Special Account (SA) will be transferred to your Retirement Account (RA) when you turn 55. Any excess, above the Full Retirement Sum applicable to you, can be withdrawn when you apply for withdrawal at age 55.

于是我写信给CPF:
The top up monies can be withdrawn or not? I am confused by the 2 self-conflicting Q and As below from CPF website. Which one is wrong, or at least, misleading?

得到了这个回复：
As you are below age 55, please refer to the website FAQ on I received top-ups before age 55. What happens to the top-ups when I turn 55?

If you have any excess in your Special Account (SA), above the Full Retirement Sum (FRS) applicable to you, the amount will remain in the SA and can be withdrawn when you apply for withdrawal at age 55.

所以结论是55岁之前充SA。55岁时超过FRS的部分可以取出来

我的提问可能误导了一些人。澄清一下