At the beginning of the new year, I said I would be making voluntary contributions (VC) to my CPF account in an effort to max out the annual limit of $30,600. The risk free returns of 2.5% to 4% per annum for the OA, SA and MA help to give me a peace of mind. I used some of the dividends I received from my investments this quarter to make a contribution last week: We can never be too sure about our investments and how they will do. However, the CPF gives us a measure of certainty which we need in our golden years. So, it is a good tool in retirement planning and we should make good use of it. This is a topic that I blog about regularly and it has attracted many high quality comments from readers. I am glad that some readers were inspired enough by ......