理财锦囊:四成公积金投资没赚头懂风险守纪律才能钱生钱

MoneyOwl on Lianhe Zaobao
23 March 2025

Due to rising interest rates, the 2.5% interest on CPF Ordinary Accounts (OA) has fallen behind inflation, leading more Singaporeans to invest their CPF. The CPFIS investment report of 2023 showed that only 58% of investors outperformed the 2.5% OA interest.

MoneyOwl CEO Chuin Ting Weber noted that 40% of CPF investors would have been better off not investing their OA savings, possibly due to poor timing or investment choices. Experts recommend keeping an emergency fund of 6 to 12 months of mortgage payments, considering topping up the Special Account for a risk-free return of up to 5%, and ensuring a long-term investment horizon of at least 8 to 10 years. Additionally, low-cost, globally diversified funds are advised to minimize risk.

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