By MoneyBees
Work out how much of your CPF Ordinary Account you can invest under CPFIS: investible savings, the 35% stock limit, the 10% gold limit and the first S$20,000 you must keep, on CPF Board's method.
Under CPFIS-OA you can invest your Ordinary Account savings above the first S$20,000. Within that, stocks are limited to 35% and gold to 10% of your investible savings. Under CPFIS-SA you can invest Special Account savings above S$40,000.
CPF defines them as your OA balance plus the amount of CPF you have withdrawn for investment and education. The investment amount is net of refunds and is set to zero if refunds exceed withdrawals.
Shares, property funds and corporate bonds bought with CPF. The limit is reduced by the cost of those you already hold.
Gold ETFs and other gold products such as gold certificates, gold savings accounts and physical gold, all through the OA only.
Members aged 18 and above who are not undischarged bankrupts, with more than S$20,000 in the OA or more than S$40,000 in the SA. New investors must complete the CPFIS Self-Awareness Questionnaire.
The SA was closed for members aged 55 and above from January 2025. You can keep existing CPFIS-SA investments; when they are sold or mature, the proceeds go to your Retirement Account up to the Full Retirement Sum and the rest to your OA.
CPF pays 2.5% a year on the OA and 4% on the SA from October to December 2026, risk free. An investment has to beat that after fees to be worth it, so compare carefully before you move money out.
CPF Board plans a new investment scheme in 2028 offering simplified life-cycle products with capped all-in fees. Providers are expected to be named in the first half of 2027.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).