Much of the narrative on the CPF have been on the minimum sum. The focus should be very much put to the success rate of the every day Singaporean’s to be able to build their retirement wealth on CPF.

The CPF is designed in such a way that if you are competent you can channel a portion CPF OA and CPF SA into unit trust, annuities, certain ETF, Gold savings, fixed deposit to beat the hurdle rate of 2.5% (OA) or 4% (SA).

Hey that shouldn’t be so hard right?

My friend Elvin over at Epsilonluxe have a write up justifying the need to start putting your CPF to work. You can check his blog out. He provides a snapshot of how well investor who took profit did in 2013.

The CPF investors actually did better in 2013 when compared to 2012. That is not saying much considering that ...