Your CPF is one of your most important assets for retirement planning in Singapore. However, it is often under-invested. Many people have bought into the idea that since the CPF board pays them an almost guaranteed interest rate, there is no need to invest their CPF savings. It makes sense to some, but not everybody. Think about it, if the bank pays you a fixed deposit rate of 2.5% interest, or you can put your money into Astrea bonds which is “backed” by Temasek and earn a 3% interest, does it mean you should stop investing altogether? Ultimately, each person has a unique financial situation. This is why you should look at your own financial portfolio and decide how your CPF investment should fit into your overall retirement planning. You can choose not to invest, but it means that either you already have enough, or you need to work harder. I have written a series of articles...