It was quite interesting to have so many people coming out to comment in the last post. A lot of people look at CPF in their own different way. The main thing is that most people use CPF to buy their homes and use up their free cash on hand for lifestyle purposes. Many people who follow this blog highlight that if people invest their free cash in more than 2.5%, the person would be better off. This is true. I absolutely agree with this. However, I wonder... How many people actually actively save every month. Next, even if they save, how many people keep them as basic bank deposits. How many aunties/uncles just place their funds in fixed deposits. Next, how many people can put their monies into investments which will beat 2.5%, or will a bank maybe sell them some expensive unit trust with high expense ratio? In truth, the average person would do better ......