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Life Quotes

Some quotes that I live by.

"Think carefully, live freely"
"Being operationally busy, is a sign of intellectual lull"

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Hotel Review: Sheraton Grande Sukhumvit, a Luxury Collection Hotel, Bangkok

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Hotel Review: Fairmont Raffles Manila

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Optimizing your CPF account

Your CPF account consists of 3 accounts: Ordinary Account (OA), Special Account (SA), and your Medisave Account (MA). The OA is primarily used for providing housing, while SA is used for retirement. MA is used to pay for healthcare. The interest rate on your OA is 2.5%, while the interest rates on SA and MA are 4%. There is an extra 1% interest upon reaching the first $60,000, combined across all three (with at least $20,000 in your OA). In order to optimize your CPF account, the key is to move the lower interest OA money into your SA, to take advantage of the compounding effect of that extra 1% per year. Once you begin working, transfer your OA account into your SA account only a monthly basis, as CPF interest is calculated monthly.   This is an irreversible process, but it forms 1 part of your retirement portfolio.  There's no need to inject extra cash into CPF. Once you hit the SA maximum of $171k (based on 2018 figures) the funds will automatically be channel...
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