[sgbuffett]

I would argue that FRS makes for a better choice.  You chose BRS you have to pledge your house and still pay back accrued interests somewhere down the road when you sell you house.

Choose FRS at 55, and then at 65 either Standard Plan or Basic Plan is the way to go.

Not an issue because it goes into CPF and you can withdraw anytime.

The originally concept is if you have enough for FRS already but you want to keep as much as possible in SA for as long as possible to maximise returns and flexibility. To do this opt for BRS.