(引用 Winiden:刚才回错楼了，要回的是这个CPF Life没得选 RA里面所有的钱都进 可以选的是从OA，SA，甚至top up多少钱进RA 没进RA的钱可以取出来，进了R)cpf life 可选在 FRS 和ERS 之间的pay out也就是说RA最多只能ERS了，如果还有 剩余的资金留在了SA 和OA, 取不取现由自己决定。 问题是 这时留在SA享受高息还说得过去， 留在OA就没有投资意义了， 也不能再转成SA，应该大部分人会选择取现了。[shearwater (12-29 23:06, Long ago)] [ 传统版 | sForum ][登录后回复]101楼

(引用 shearwater:cpf life 可选在 FRS 和ERS 之间的pay out也就是说RA最多只能ERS了，如果还有 剩余的资金留在了SA 和OA, 取不取现由自己决定。 问题是 这...)留在 OA 也好过任意一家银行。反正随时可取。[苔条麻花 (12-29 23:09, Long ago)] [ 传统版 | sForum ][登录后回复]102楼

(引用 随便转转:谢谢分享特斯拉、蔚来这种早点进去猫着就算有黑天鹅也是很赚的，涨得太猛了，泡沫是有泡沫，但热点没那么容易破，就像A股的白酒。 不过像...)我来补充一下为啥妖股没那么容易既然是妖股，普通投资者进的时候会很小心，敢全仓就干的毕竟是少数，仓位低了，赚的钱能多吗？等你慢慢加上去的时候，成本也就上去了，跌的时候就可能一把前面的就白忙乎了。

举例来说，蔚来到个位数的时候，谁敢满仓哪怕是重仓进？[spyr (12-30 9:08, Long ago)] [ 传统版 | sForum ][登录后回复]103楼

澄清了。55岁之前充SA。55岁时超过FRS的部分可以取出来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 It cannot be withdrawn in cash or used for any other purposes such as education, investment, insurance premium payments, housing etc.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 However, top-up monies in the RA will not be taken into account in computing how much RA savings2 can be withdrawn in cash (for property owners), as well as how much RA savings2 can be used for housing purpose and CPF transfers to spouses.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 Any excess, above the Full Retirement Sum applicable to you, can be withdrawn when you apply for withdrawal at age 55.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The top up monies can be withdrawn or not?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Account (SA), above the Full Retirement Sum (FRS) applicable to you, the amount will remain in the SA and can be withdrawn when you apply for withdrawal at age 55.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[爱酱油不爱醋 (1-5 21:38, Long ago)] [ 传统版 | sForum ][登录后回复]104楼