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QAt age 55, why are my Special Account savings first transferred to my Retirement Account to form the Full Retirement Sum, before my Ordinary Account savings are transferred?

Savings in the Special Account (SA) are meant for your retirement needs, while Ordinary Account (OA) savings can be used to meet other shorter term expenditure needs such as housing. Hence, when you turn age 55, SA savings are first transferred to your Retirement Account to help you set aside the retirement sum which will eventually be streamed out as monthly payouts when you reach your Payout Eligibility Age.

Did you know? If you wish to earn higher interest and boost your monthly retirement payouts, you can transfer additional savings in your SA, followed by savings in your OA (which earns a base interest of 2.5%), to your RA (which earns a base interest of 4%), or make a cash top-up to your RA, up to the current Enhanced Retirement Sum.

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