Everyone of working age would have definitely have heard of Central Provident Fund (CPF). At individual level, they either love it or do not like it. Those who do not like it may feel that it is a forced saving and fear policy changes impacting the scheme or even that it is a scam. In some cases, they may have been misinformed. Whereas those who love it understands the benefits and maxmises it. I used to belong to the camp that did not like it mainly because of the fear of policy changes and I felt that I could earn more through investment rather than have the money sitting in CPF earning up to 3.5% (for OA) or 5% for (MA and SA). I was too naive. Having embarked on the investing journey sine 2011, I realised that it is not easy getting a portfolio yield of 5%. From my records, I have not...