Good morning AK, How are you today?  Hope you are doing well =) Firstly- THANK YOU for sharing the post on CPF interest accrual on funds used for housing! I was wondering why my accrued interest portion kept growing- almost S$6K per year! I am considering some voluntary refund on principal amount to reduce the funds owing to CPF. I have a new query to get your views- do you plan specifically which categories of stocks and reits to invest in? As you may recall- I am trying to re-balance my portfolio to release some stocks at the right time and buy some new ones- aim is to increase my income yield from 4% to slightly higher. Look forward to any thoughts that you have... L Hi L, Glad to know you found the blog post useful. Yup. People are usually very surprised when they find out how much they are ......