Things to Consider Before Investing Your CPF


One of the easiest routes you can ever take when looking to grow your retirement funds over the long-term is investing your CPF. Thanks to the CPF Investment Scheme (CPFIS), you can invest your Special Account (SA) and Ordinary Account (OA) balances in different investment products such as unit trusts, bonds and stocks. Through this action, you can potentially earn higher returns when compared to the guaranteed interest rates.

But just as is the case with any other form of investment, you need to be fully aware of what is set to come your way before making a decision on CPF investment Singapore. Here are important things regarding the CPFIS that you ought to keep in mind after which you can decide on whether or not to invest your CPF.

How Much Can You Invest with CPF?

Once you set aside the minimum amount in your Ordinary Account and/or Special Account, you are free to invest 100% of your investible savings in unit trusts. Things tend to be different with stocks since you can only invest up to 35% and up to 10% in gold. You can always login to your CPF account and have a look at your investable amount. It is then that you may make a decision on how to go about with the investment.

Can You Withdraw Your CPF Investment Return?

Any gains you make in your CPF investment Singapore will be returned to your CPF account and can only be withdrawn once you reach the age of 55. In short, every investment made from your CPF account is meant for your future-self. The same case applies to any dividends or interest received on your CPFIS investments., as they are cancelled to your CPF account instead of being paid out to you. It is then that you can use these funds to make further investments if you so desire.

Final Thoughts

Many things come into play when deciding on whether or not to opt for CPF investment Singapore. To navigate through any hurdles in your way, it would be better to get professional help. All it takes is for you to seek the help of knowledgeable consultants who can help you navigate through the different procedures needed to invest your CPF monies. If you are in dire need of such consultants, then you should look no further than Global Financial Consultants (GFC).

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