Some of you might recall my controversial post several years ago when I mentioned I didn't have any intention of using my CPF to pay for housing, and prefer to use cash instead for repaying a bank loan at 1+% interest rate per annum. Our reasoning was to let our CPF grow instead, since 2.5% p.a. is still a decent rate. I thought I'd do an update because as it turned out, we didn't end up utilizing that strategy in the end. That's because when we moved into our house in 2020 at the start of the pandemic, it was also the time when global stock markets crashed. Being opportunistic, my husband and I decided to inject our cash into the markets (instead of financing our mortgage) and use my CPF to pay for the monthly mortgage in the meantime. While some of my peers chose to utilize their emergency savings, or even make use of...