Today's article is a little incoherent. I was ill throughout the weekend and wanted to share some insights into the most divisive issue between financial bloggers, which is the tension between transferring CPF into the CPF-SA versus keeping the funds within CPF-OA and investing part of it into the stock market. Unfortunately I was unable to really come up with a simple illustration which can adequately explains why bloggers disagree on this issue. The best thing I can say is that if you support the transfer into CPF-SA, you would fall into the left triangle in the diagram shown above. If you support the CPF-IS route, then you would fall into the right triangle. Depending on how you internally view the efficient frontier represented by the curve I drew, one triangle may be bigger than another which can lead to a contention between experts because we all hold different views ......