First CPF Balances update of the new year! It is the end of January with all mandatory contributions and cash top up in for the month.
MA new ceiling (Basic Healthcare Sum or BHS) is raised to $60,000 for 2020. OA to SA transfer for the month of January is also completed. SA balance currently stands at $96,990.09, slightly more than half of 2020 FRS or 53.6% of the journey.
So for 2020, I raised the bar in my approach to take advantage of the 5% interest rate for the first $60,000 on my child’s combined SA and MA which is currently $4992.61.
I continue to top up my child’s SA, but at a higher sum of $200, an increase of $100 monthly. SA balance currently stands at $703.75.
Theory of Constraints 
how to transfer MA to SA? Interest overflowing?
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You cannot manually transfer from MA to SA. You are correct, only interest flowing (e.g. any amount above BHS) could be transferred to SA.
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