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3 Cash-Rich Stocks Paying More than Your CPF
By The Smart Investor  •  December 9, 2025
Many Singapore investors rely on CPF as the foundation of their long-term savings. With guaranteed interest of 2.5% in the OA and 4% in the SA, CPF offers stability that is difficult to match. But while CPF provides a strong baseline, it is not the only way to earn steady, predictable returns. Investors who are looking for additional income, greater flexibility and the potential for long-term growth may consider dividend-paying stocks as a complement to CPF. One approach is to focus on cash-rich, fundamentally strong companies listed on the Singapore Exchange. These businesses generate recurring cash flow, maintain healthy balance sheets and have long track records of rewarding shareholders with dividends, making them attractive to investors seeking CPF-beating income. Here are three Singapore-listed companies with resilient business models and sustainable dividends that currently offer yields higher than CPF SA’s 4%.

1. UOB (SGX: U11)

UOB, one of Singapore’s three largest banks, continues to demonstrate resilience despite a softer operating environment. In...
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By The Smart Investor
The Smart Investor is co-founded by David Kuo, Joanna Sng, and Chin Hui Leong. The company was formed in late 2019 from the ashes of the Motley Fool Singapore. The Smart Investor believes that everybody can learn how to invest, smartly. We aim to educate people on how to invest smartly by providing investing education, stock commentary and market coverage for Singapore and around the world.
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