One year on in my Full Retirement Sum journey for my CPF SA, I decided to look back and see how far I have came about. I could still remember the day I decided to take the plunge and transferred 30 grand from my CPF OA to SA. It was a one-way trip. The subsequent monthly transfers and top-ups were less stressful as I had a goal to commit to – the Full Retirement Sum (FRS) of $181,000 at least for FY2020.
From 41.9% when I first started in Jul 19, I am currently 60.0% to my goal in Aug 20. Staying on course (hopefully) to reach my goal in 2 years time.
| Month | SA Balance | Delta |
| Jul 19 | $43,185.04 | NA |
| Jul 19 | $75,849.09 | Transferred OA to SA |
| Aug 19 | $77,589.13 | $1,740.04 |
| Sep 19 | $79,778.09 | $2,188.96 |
| Oct 19 | $82,222.09 | $2,444.00 |
| Nov 19 | $84,562.09 | $2,340.00 |
| Dec 19 | $89,763.09 | $5,201.00 |
| Jan 20 | $96,990.09 | $7,227.00 |
| Feb 20 | $98,214.04 | $1,223.95 |
| Mar 20 | $103,063.50 | $4,849.46 |
| Apr 20 | $104,527.67 | $1,464.17 |
| May 20 | $105,792.58 | $1,264.91 |
| Jun 20 | $107,057.49 | $1,264.91 |
| Jul 20 | $108,000.40 | $942.91 |
| Aug 20 | $108,600.41 | $600.01 |
Theory of Constraints 