对，生日之前都行但考虑到走账需要时间，提前一两个月比较好。 OA要放够钱（至少FRS减4万）。 不一定要t-bill，三个月定存也是可以考虑。 本站可能还没人做过，谁做了来分享一下。。。

这没办法控制英文论坛上到处都有，financial advisors也都会这样建议（他们也会有利可图）。华新这贡献不了多少。 这儿有个CPF board的回复，2021年就2%的人这么做了，到我们的年龄搞不成了是很有可能的。 Answer: We are aware that some members invest their Special Account (SA) savings shortly before age 55 and liquidate it after age 55, to retain more CPF savings in their SA. In 2021, about 2% of CPF members turning 55 invested their SA monies under the CPF Investment Scheme-Special Account (CPFIS-SA) within six months before they turned age 55 and liquidated their investments within six months after they turned age 55. Some of them may have done so to prevent their SA monies from flowing into the Retirement Account at age 55. We would like to reiterate to CPF members that the investment of SA monies comes with costs and investment risks – there are transaction fees involved and members may lose a portion of the amount invested. Financial advisers and insurance brokers who promote this practice without highlighting the (more...)