Unlock Your CPF Savings Potential

Unlock the Power of Your CPF Savings

Your CPF savings can do more than just sit in your accounts. Supercharge your retirement savings through CPF Investment Schemes (CPFIS), with our exclusive platforms and solutions.

The CPF Investment Scheme (CPFIS) empowers you to invest your Ordinary Account (OA) and Special Account (SA) savings across a wide spectrum of investment options, all designed to bolster your retirement nest egg.

Why invest your CPF?

With inflation surpassing 2.5%, currently at 4%, exploring CPF investment options can offer the potential to outpace inflation rates.

A significant 37% of your income flows into CPF. Initiating investments early allows your CPF returns to compound over an extended period, laying the groundwork for a prosperous retirement.

Considering that CPF withdrawals commence at age 55, most individuals can weather short-term market fluctuations and adopt a long-term perspective on CPF investment opportunities.

Who Can Benefit from CPFIS?

Anyone above 18 can seize this opportunity to invest their CPF savings, provided they meet the following criteria:

• You're at least 18 years old.

• You're not an undischarged bankrupt.

• You have more than $20,000 in your OA.

• You have more than $40,000 in your SA.

• Completing the CPFIS Self-Awareness Questionnaire (SAQ)

How much CPF savings you can invest

CPF Investment Scheme-Ordinary Account (CPFIS-OA)

You can invest your OA savings after setting aside $20,000 in your OA

In addition, you can only invest up to 35% and 10% of your investible savings in stocks and gold, also known as the stock and gold limits. Investible savings refers to the sum of your OA balance and the amount of CPF you have withdrawn for investment and education.

CPF Investment Scheme-Special Account (CPFIS-SA)

You can invest your SA savings after setting aside $40,000 in your SA.

You can find out how much of your OA and SA savings you can invest via the following ways:

1. Log in to my cpf digital services with your Singpass > Select my cpf > My dashboards > Investment

2. Log in to CPF Mobile app with your Singpass > Select My Investment; or

3. Visit any CPF Service Centre with your identity card.

Factors to consider before investing

All investments are subject to risk. Risk refers to the possibility of losing part or even all of your investments due to financial market changes. Understanding the risks of various investment options can help you better decide which investments best match your investment goals, risk tolerance and personal circumstances.

Investment goal

Understand why you are investing and set an investment objective (e.g. a long-term goal of growing your savings to $X at the end of 25 years for retirement).

Risk tolerance

Ask yourself: What’s the amount of risk you’re comfortable with and can afford to take? Can you handle temporary short-term losses in your investments? Do you have enough savings to absorb the investment risks?

Take the Risk Tolerance Questionnaire to assess your risk tolerance.

Take the questionnaire. (PDF, 0.2MB)

Investment time horizon

Consider the duration of your investments. As CPF savings are meant for your retirement, they're generally for long-term purposes unless you’re nearing retirement or have a short-term investment time horizon for other reasons.

Overall financial situation

Consider your financial commitments and the amount of money you'll need to sustain your lifestyle during retirement. If you have other assets set aside for retirement besides your CPF savings, how are these assets invested?

Opportunity costs

Consider the interest rates that you're earning from your CPF accounts and the cost of investments (i.e. fees and charges for investing in the product).

Only invest your CPF savings if you’re confident of earning more than the CPF interest.

Ready to Begin?

You're just a few steps away from launching your investment journey under CPFIS.

For CPFIS-OA:

1. Open a CPF Investment Account with one of the following CPFIS agent banks, using your CPF statement:

• DBS Bank Ltd (DBS)

• Overseas-Chinese Banking Corporation Ltd (OCBC)

• United Overseas Bank Ltd (UOB)

2. Approach me directly to buy or sell your investments.

For CPFIS-SA:

You don't need to open a CPF Investment Account. Simply reach out to me to manage your SA investments.

Take Action Today

Ready to make your CPF savings work harder for your future? Don't hesitate to contact me for a no-obligation coffee session. Let's discuss and walk-through your investment aspirations and craft a tailored strategy that secures your financial future.

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Credit: CPF website.