In the latest issue of The EDGE, there is a very good 2 page write up by Kelvin Tan on the current CPF rate debate. For anyone who would like to be better informed, I would suggest getting a copy: "It may sound easy but beating the OA's guaranteed annual interest rate of 2.5% is by no means an effortless task for CPF members who are looking to grow their savings under the CPFIS. Indeed, only 15% of CPF members who sold their CPFIS-OA investments for FY2013 ended Sep 30 made profits in excess of the OA interest rate of 2.5%... 42% of these CPFIS-OA investors actually incurred losses in FY2013... "While it makes sense for savvy long-term investors to invest their excess OA money, some financial advisers advise their clients not to take any risk with their SA money which is already earning decent returns of 4% to 5% a ......