This is an affiliated post with Endowus. All views, opinions and research expressed herewith are solely mine. The intended audience of this post is for individuals who are below 55 years old. Disclaimer applies.
Over the course of the past few years, I had achieved two of my personal financial milestones, and those were the clearance of my home mortgage loan and hitting my Central Provident Fund Special Account (CPF SA) to the full retirement sum (FRS). The next step in my overall (read: lifetime) financial strategy would be maximising my gains and returns in the CPF Ordinary Account (OA).

We all know that the CPF OA returns an interest rate of 2.5% per year (and 3.5% per annum for the first SGD 20,000), but if we are able to invest with a diversified portfolio in the financial markets, we are likely to get higher returns over the...