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Can I choose which CPF account to withdraw from?

You cannot choose the CPF account to withdraw from. Your savings will be paid from your CPF accounts in the following order:

  1. Retirement Account (if applicable)
  2. Special Account
  3. Ordinary Account

Accounts with higher interest rates typically require you to lock in your savings for a longer period of time. This is similar to fixed deposits in the market, which also offer higher interest rates if savings are locked in for a set period, compared to savings deposits which are withdrawable anytime.