In Singapore, the Central Provident Fund (CPF) is a compulsory comprehensive savings plan for working Singaporeans and permanent residents primarily to fund their retirement, healthcare and housing needs. Investor first need to be aware of some rules relating to CPF money investment. You are allowed to invest 100% of investible Ordinary Account money in STI ETF (ES3), 100% in Singapore Government Securities 30-year Bond (PH1S) that trades on SGX, 100% on Unit Trusts/Mutual Funds, and 35% on stocks. You can invest only 10% of investible Ordinary Account money in UOB Gold Savings Account and Gold ETF (O87). The first 20,000 dollars in Ordinary Account cannot be used for investment purpose. Hence for gold, this makes it impossible to invest 25% gold with CPF money, and may make it difficult to rebalance gold if we were to allocate only 10% gold instead. The first method is to invest CPF money with ......