Try putting whatever you know about CPF aside before reading this post Disclaimer; CPF is a mandatory thing for all Singaporeans/PR so knowing it is as important as maintaining your financial health -Short Summary- There are 3 Accounts in your CPF before you turn 55:

• Ordinary Account (OA)
• Special Account (SA)
• Medisave Account (MA)

When you turn 55:

• OA + SA = RA (Retirement Account)
• MA = Acts like your health insurance

At this current point of our life, how much do we have for retirement (Cash/Savings) not including property, because we would want to be living comfortably like now (*assuming) ?? The average Joe and Jane most probably only have their money soaked in endowment plans and some weird insurance products. The question to you is when have you last counted the GUARENTEED (remember not the projected) return on these products? If so, would it beat money accumulated in your ......