Read? Time In The Market, or Timing The Market?? Don't laugh or poke at some Buy and Hold folks for their passive income. Just one time effort on clicking on the Buy button and many years of passive income of dividends, interests on dividends and then interests on interests. See the effect of compounding interests in CPF OA through CPFIS's yearly dividends contribution. Ah Gong's near risk free money in CPF OA as Uncle8888 has read some folks in the cyber world are smiling when they are voluntarily topping up CPF OA for this 2.5% compounding interests. How about through CPFIS? Better right? Compounding Interests in CPF OA through CPFIS = Interests on dividends + Interests on interests. Position 1 : $1.32 on 26 Mar 2004 Compounding interests over 16 years on investment cost = 120% or Average yearly yield on investment cost = 7% ......