[sgbuffett]

Have a read below.  This guy also thought FRS was the way to go.  And later changed his mind to ERS.  

https://www.firepathlion.com/top-up-cpf-...or-invest/

The logic is given below is wrong!


You put more in RA as ERS of course you get more.
But if you die at 85 the bequest is zero. While your children still get 90K if you put in SA instead of topping up the RA to ERS

The govt is using the imoney of those who die early to pay those who die later. But if you die before 95 the total you get less.