The first $60,000 of your combined CPF accounts earns extra interest. To enable members to earn extra interest, monies in excess of $20,000 in your Ordinary Account (OA) and $40,000 in your Special Account can be invested for members below age 55. For members aged 55 and above, the $20,000 requirement in your OA continues to apply due to the inherent risk associated with investments which applies across all age groups.