This comparison proves to me that cpfOA is an inferior parking space.
Therefore, I should consider housing refund from FSM to OA to SA.
| SA | OA | FSM | bank | ||
| (comp)return@$1k marginal amount | 4% | 2.5% | 2-3% | ||
| .. dependable return? | yes | no | yes | ||
| how soon can take out without loss | age 55 | 6M | 1D | ||
| use for edu #after 55? | BRS | yes | |||
| use for housing before 55? | no | yes | yes | ||
| use for U.S. housing/edu? | no | no | yes | ||
| use for stocks mostly US | no | unlikely | yes | ||