[forum456]

4. Eventually one gets hold of money above min sum at age 55. Why not such excess money earlier when person is nearer to prime of his life and can makes good use of it for his human capital development.

CPF is like a very long term deposit bank.
CPF can give 2.5% to 4% because CPF can hold your money until 55.

If CPF member can take out money after $500K, the interest rate will very low like 1 %.