Why I Told My Daughter NOT To Transfer OA To SA | CPF 1M65, Flexibility & Investing

Should young Singaporeans transfer their CPF OA into SA early? Recently, my daughter — who’s turning 21 soon and has been working for about a year — asked me this exact question. My answer surprised her: “No. Keep your OA.” In this video, I explain why my thinking on CPF OA-to-SA transfers has evolved over the years, especially after the CPF-SA policy changes and in today’s rapidly changing AI-driven world. We’ll talk about: • The original 1M65 movement and why it became so popular • CPF-SA vs CPF-RA and CPF LIFE • Why flexibility and optionality matter more today • The hidden tradeoff behind the extra 1.5% CPF return • How life experiences shaped my perspective • Why young adults may benefit more from risk assets early on • Risk appetite, investing psychology & financial resilience • Why I still respect 1M65 — but see it differently today This is not an anti-CPF or anti-1M65 video. Rather, it’s a discussion about sequencing: when safety matters more, when flexibility matters more, and how young people can maximise their human potential in an increasingly unpredictable world. As always, these are simply my personal reflections and not financial advice. If you found this helpful, do like, share and subscribe for more conversations around aging, investing, CPF, retirement and life in Singapore. And remember: “Sometimes the best form of aging, is just aging normally.” #CPF #1M65 #Singapore #Investing #CPFSA #CPFOA #RetirementPlanning #FinancialIndependence #PersonalFinance #SingaporeCPF #EquityInvesting #AI