In September last year, Deputy Prime Minister Tharman Shanmugaratnam said that "over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account". I have written a post about it: here. The Ordinary Account provides returns of 2.5% for amounts above $20,000. 45% of investors lost money through the CPF Investment Scheme while 80% did not made returns above 2.5%. In other words, unless you are the top 20% in Singapore, the CPF is actually good for you.

You are more likely to earn higher returns leaving your money in your CPF

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