This analysis applies to any amount I transfer to wife’s CPF-SA.

If between 55 and 65 I were to top up $100k to RA to earn 4% interest, that amount is locked in and can’t be spent on “anything”, but is there anything to need that $100k? If nothing, then who cares? After 65 I would start receiving CPF-life payout from that $100k.

— U.S. home purchase or property investment?

— college funding?

— Medical cost?

— cumulative repair costs in U.S., which tend to be much higher than SG