Figure I want to do a write-up on CPF after thinking about its usage and my planning for long-term goal. First, let's start with reviewing the benefits we receive in CPF. Benefits CPF-OA gets a 2.5% guaranteed interest rate. CPF-SA, CPF-MA and CPF-RA gets a 4% guaranteed interest rate. First 60k in CPF gets an extra 1% interest rate, of which up to 20k is contributed by CPF-OA. CPF-RA will get an additional 1% on top of the first 60k We can transfer funds in CPF-OA to CPF-SA (however this will not be tax deductible.). This is irreversible. Next we look at some limitations we have for CPF First 20k in CPF-OA cannot be used for investment. Only 35% of the funds in CPF-OA can be used for investment instruments barring gold or gold ETF. Only 10% of the funds in CPF-OA can be used for purchasing gold or gold ETF. First 40k ......