What Not to Do After SA Account Closure?

For any SA balance in excess of Full Retirement Sum (FRS) ($205,800 in 2024) will be transferred to the Ordinary Account (OA) and earn the lower interest of at least 2.5% p.a.
For those invested SA amounts liquidate after SA closure, the balance and the proceeds will be transferred to the Retirement Account (RA) (if FRS is not met) or to the OA if the FRS in RA has been met.

Those below age 55 will continue to have the SA which earns up to 5% per annum interest.

Relying solely on CPF for retirement: You can diversify and enhance your retirement savings by investing in assets with mid-term horizons (3-10 years) or longer. By the time these assets mature, you'll likely be retired and can enjoy the capital gains they've accrued.
Invest for the purpose of investing: Given that you have a large sum of money on hand, you should practice prudent investment strategies instead of blindly following financial gurus' advice without doing your homework.
Invest the fund to riskier assets regardless of personal risk appetite: You will feel uncomfortable if you are to invest them in riskier funds because they are originally invested in safer options. Since these funds are hard-earned and accumulated while earning a government-guaranteed 4% return, it makes sense to explore investment options with comparable risk profiles.

任何超过全额退休金（Full Retirement Sum-FRS，2024年为205,800新元）的SA余额将被转入普通账户（Ordinary Account-OA），并获得至少2.5%年利率的较低利息。
SA关闭后，对于选择清算的已投资SA金额，如果未达到FRS，其余额和收益将被转入退休账户（Retirement Account-RA）。如果RA中的FRS已达到，那将转入普通账户（OA）。

依靠公积金（CPF）退休：你可以通过投资中期（3-10年）或更长期限的资产来分散风险和增加你的退休储蓄。当这些资产到期时，你也可能已经退休，可以享受它们积累的资本收益。
为了投资而投资：鉴于你手上有一大笔钱，那你更应该实践谨慎的投资策略，而不是不做功课而盲目地跟随金融专家的建议。
不顾个人风险偏好将资金投资于风险高的资产：如果将资金投入于风险高的基金，那你将会感到不安，因为这些资金原本是放在更安全的地方。由于这些资金是你辛苦赚来的，并且是在赚取政府保证的4%回报率时积累起来的，因此探索具有可比风险水平的投资选项是对你有好处的。