Your CPF investment fund is earning compounding interests rate at 2.5% while your cash is only earning at 0.X% - 1.X%. Why would you use up your higher rate first while holding on to lower rate to wait for better investing opportunities?

I believe the biggest obstacle is that most investors see their CPF money as "stuck" money that needed to be "unlocked" first for investing while forgetting that their free-flow cash for investing purpose are actually sitting idle at a lower rate.

Somehow, I manage to overcome it by adopting Interests-wise thinking. My CPF investment fund is used as last line of defence or for holding pillow stocks which have dividend yield of more than 2.5%. The dividends received will be automatically "lock up" by CPF for compounding interests at 2.5% and they are fully protected from the future bear raids...