I came across this picture of a CPF-related poster on Facebook recently. Different people shared it with different captions. Here are some of the captions: "Next time if people ask you to explain compounded interest, show them our CPF amount." "From 1cent can become 5.6 Million dollars....In just 30 days! PAP HUAT AH!  This time we really HOSEH LIAO! All becoming millionaire la kakis!"  I will just stop at the captions and not even proceed to the comments. I personally felt that the poster was meant to remind people that amount of money needed for retirement is not a small sum. The CPF (Special Account) savings earn risk-free interest up to 5% p.a. The message was to show how the interest earned gets compounded over time. To explain the concept of "making your savings work harder for you". To illustrate the Magic of Compound Interest, ......