SA removed from 2025. Hate it, Love it, No choice

 Removal of CPF-SA after age 55 from Jan 2025.  All its balance will be absorbed into the OA.

1. Though it is not my choice to see my SA balance absorbed into my OA next Jan 2025, and hence we will earn lesser SA interest of 4.08%.

2. Somehow it makes our OA withdrawal easier and not bounded to be bothered how to max cash drawdown from OA, without affecting our SA balance.

3. Contrary, it liberates me/some.  One can simply withdraw at ease from OA balance.  One can simply withdraw the OA interest + Dividend + return make in 2025, retaining the OA balance.

4. OA balance becomes our opportunistic account to time-the-market" buy into equity.  Make the profit or dividend from it, then withdraw them as passive income when we retire.

E.g. If one withdraws from OA $500k for investment @5%, it earns $25k! Another retirement Tap without touching our OA balance.

And addition from RA max annually at its ERS, one can enjoy a guaranteed monthly payout of at least $3k p.m. standard life.


~~~

My Takeaway: 
* Good deal is best kept at table talk, don't let it becomes a "talking-point" sensation and attracts "knife-chop" policy.

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