Selected FSM-stocks and FSM-funds can use OA under the CPF-IS, but biggest problem is agent bank fees.

For FSM-funds, there’s no upfront no trailer. Essentially free service by FSM.

For FSM-stocks, there’s no trailer but there’s a $10 minimum upfront (transaction fee).

For both, there’s an upfront and a trailer fee by charged by agent bank 🙁