CPF board pays you an almost guaranteed interest rate for your savings. But you can still invest your CPF to earn a potentially higher return. You can invest in various instruments such as insurance products, unit trusts, ETFs, stocks, and bonds. This article will explain to you how to invest your CPF and what are your options. There are some internet narratives that say you shouldn’t invest your CPF because you already earn a good interest, and you should just invest cash savings. Finance 101 tells us that CPF interest is merely a “risk-free” return and this is no reason to stop you from investing. If you check the history of Singapore’s 10-year government bond yield, it was more than 5% in early 2000. Does it mean that nobody should have been investing at that time? Singapore 10 year bond used to pay 5% interest Source: tradingeconomics.com The only difference is that since your CPF pays you risk-free interest ...