1. We should top up $7,000 in our Special Account every year.
2. We should top up whatever we had withdrawn from our CPF (usually for mortgage) asap.
3. We should top up CPF for our loved ones to the extent possible.
Hence we are not discussing if the Gahmen would give us this money or not. It is a given that it would come back. For our purpose today, we would determine that the returns on the three types CPF top up are actually very lucrative. We have already done that for the first one in the last post.
Having said that, I would give more priority to first clear the mortgage and topping back up CPF as it gives a peace of mind. Sometimes in life, we need to clear some of these literally mind boggling issues to be able to think better and make better decisions. Although that doesn't mean totally not investing. If a good opportunity comes about, money has to be put to work!