[sgbuffett]

This kind of loophole very easily patch and likely done before you know it. All they have to do is come up with a law to say once your CPF investment returns to SA or OA, it will be automatically shifted to RA. Done.

I found the site that explains the mechanism well :

1. Basically there is only one automatic transfer from OA+SA to RA ...that is when one reaches 55. At no other time does money flow to  RA automatically.

2. If one has 100K in OA and 200K in SA. One can move one out using CPFIS until 20K left in OA and 40k in SA....

3. When RA is formed at age 55 ...only 60k inside.

4. After that 80K can be moved back to OA and 160K to SA.

5. This gives person maximum flexibility to use money for house and investments.

6. For people who do not want to participate in CPF Life, they will do this....to maximise flexibility.

Article here....look at comments section lots of fine details discussed ..m
https://toc.net/2020/09/07/cpf-sa-shield...e-example/