What can you invest in under the CPF Investment Scheme?

You might be curious if there is any way to maximise the current high interest rates using your CPF money. After all, 2.5 per cent and 4 per cent per annum for your CPF Ordinary Account and Special Account respectively were much more attractive back when bank interest rates were low. Now, with fixed deposits from private financial institutions offering rates of up to 4.2 per cent per annum to even savings accounts offering up to 7.

In this guide, we will give you a run-down on the investment products you can invest in using your CPF funds and what you will need to consider before getting started.There are a few requirements you have to meet before you are able to invest your CPF. Namely:You have at least $20,000 in your CPF OA account and/or at least $40,000 in your CPF SAThere are a couple of restrictions when it comes to investing your CPF.

Additionally, there is a stocks and gold cap when investing with your OA. You are only able to invest up to 35 per cent of your investable savings in stocks and up to 10 per cent in gold. Your investable savings is the sum of your OA balance and the amount of CPF you have withdrawn for investment and education purposes. There are currently no stock and gold limits for investing using your SA.

As such, it is much easier for your investments to beat the OA’s 2.5per cent interest rate, making it a comparatively “safer” option. There is also a slightly larger selection of investment products available when investing with your OA as compared to your SA, as a few higher risk investments are excluded from the list of products you are able to invest your SA in.

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