Some people see putting money into CPF as a foolish thing to do. They do not believe in the CPF system for it locks their money up unless conditions are satisfied. They may be right, and they may be wrong, for there are no perfect systems. I am putting my faith in CPF as a way for me to generate higher returns for my retirement. A 4% p.a interest in risk-free environment. Other than CPF, which other systems provide such benefits? I am only in my twenties, and have close to 30 years till 55 before I could start withdrawing my money (assuming this policy does not change). I was apprehensive about this initially - what if I need the money in the future? Once I put my money in, the action is irreversible. It does not have the liquidity like my 1 year FDs, SSBs or my savings ......