Which of my CPF accounts can I use to participate under CPF Investment Scheme - Ordinary Account (CPFIS-OA) or CPF Investment Scheme - Special Account (CPFIS-SA)?
You can only use your Ordinary Account (OA) savings for investments under CPF Investment Scheme - Ordinary Account (CPFIS-OA), and your Special Account (SA) savings for investments under CPF Investment Scheme - Special Account (CPFIS-SA).
The instruments available for investments under CPFIS-OA and CPFIS-SA are different. You may not combine savings from your OA and SA to buy a product. However, you can transfer funds from your OA to your SA* to invest under CPFIS-SA. Such transfers are irreversible. The total savings in the SA including the amount withdrawn under CPFIS-SA cannot exceed the current full retirement sum after the transfer.
* Applicable only to members below age 55.
