So, many people, EDUCATED people, are still bloody clueless about what they can do with their CPF and keep making a fuss about it. Here’s how easy it is.

Before you reach 55 years old, your CPF is basically 3 accounts – OA (Ordinary), SA (Special) and MA (Medisave). You use OA for housing loans or shares. You cannot touch SA at all except for some selected shares you want to invest in. You only touch MA when you need to pay for medical attention at govt clinics and hospitals. Throughout your working life, money keeps going into these 3 accounts.