Summary notes on investing with CPF money

  • CPF monies are allocated into 3 sections - Ordinary account (where you can use the money for properties, study loan etc), Special account (for retirement) and Medisave account (for hospitalisation expenses and medical insurance) Refer here for the allocation rate

  • Current interest rate: OA 2.50%, SA & MA 4%, Retirement account 4%
    See rates

  • You can only invest if you have more than $20,000 in your Ordinary Account or more than $40,000 in your Special Account
*Note that the first $60,000 in your combined CPF account earns an extra 1% interest
  • Charges are applicable for the various instruments you invest in. Read more.
For more details, please refer to the CPF website under my links section.


Before you make any investment or fixed deposit arrangement, weigh the risks and benefits involved and ask about the charges. Compare your investment return rates with the prevailing CFP account rates to see whether you are better off just leaving your money in the CPF account which earns you guaranteed interests or putting your money elsewhere. I don't really see the point of putting the CPF money into other fixed deposits because the CPF interest is by far better than most banks'. If you want additional interests, might as well transfer your money from OA to SA, but note that this tranfer once effected is irreversible.



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