Your CPFOA will grow at 2.5%p.a (for amounts above the first $20k).

Hence, this 2.5% is the opportunity cost when it comes to investing it.

You'd be better off only if you are likely to get higher returns when you take on risk.

At the second part, I'd be sharing why I bought some Keppel Corp using CPFOA.

How much can you invest with your CPFOA?

To find out, you'd need to firstly log into CPF with your Singpass.

Don't assume, if not a bounced trade can happen and your CPFIS agent bank may still charge you.

Check how much you can invest. Like the image below

The numbers above is because I've $49,590 inside CPFOA now.

What you can invest is the amounts above $20,000 only. In this case above, $29,590.

100% can be used for Professionally managed products. More here

These include unit trust funds and both STI ETF.

As to the calculations for stocks, it's a weird formula