Most Singaporeans look towards CPF as forced savings.
In the Ordinary account, the interest is 2.5% or 3.5% depending on how much is in there.
In Special account, the interest is 4% or 5%.
But I don't think many Singaporeans look to it as an investment product that they can "buy" into.
First things first. If we're going to be talking about CPF, there's a few points we need to first consider.
1) Do you trust the Government of Singapore in the long term?
2) Do you think you will live in Singapore for the rest of your life?
So, if you think that CPF is a ponzi scheme, then there's nothing to talk about.
The best way to handle CPF for someone like this is to use up as much of their CPF funds by using it to buy anything they can use it for. Housing, Investments, etc.
But, if you trust the CPF and that eventually, you...