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c) To resolve this prostitute’s schizophrenia, transfer CPF-OA to CPF-SA instead.

A quick way of resolving this schizophrenia is to transfer your CPF-OA to your CPF-SA. This is telling the prostitute that she is not expecting to do any housework so long as she services you well. In return, you end up with the best possible risk-less service possible in the Singapore economy at 4%.

The best time to perform the transfer is when you are young. You have more years to enjoy the 4% compounding. After all, the best times of life to get any serious bonking done is when you are much younger.

I maxed out my CPF-SA in my twenties. From the day I reached minimum sum, subsequent increases in the minimum sum has always been adequately met with the 4% returns. Even now, as my CPF-OA is almost totally exhausted maying