Invest cashlessly with CPF

Invest cashlessly with CPF

If you don’t have time to read through the whole article, you can check out our short version below:

  • You can invest with your CPF monies and not rely solely on your cash-on-hand.
  • Under the CPF investment scheme, there are various products you can invest in. For example, selected Equities, ETF, Unit trusts.

Looking to invest without impacting your cashflow for daily expenses? Consider investing with your Central Provident Fund (CPF).

Activate your Investible Savings

If you maintain a minimum sum of $20,000 in the Ordinary Account and $40,000 in the Special Account, you can invest the excess monies, also known as investible savings.

Considerations when Investing with CPF Monies

Don't leave your money idling in your CPF Account

In 2013, Sean invested $18,850 of his CPF OA monies in equities*. In 2018, he sold his shares for $22,750 and accumulated $6,141 in dividends, generating a total return of 53.2%.

*Illustrated using a CPF-included Commercial Trust; assuming Sean bought 13,000 shares at $1.45 each on 26 July 2013 and sold them for $1.75 each on 26 July 2018. Total return is calculated based on (capital gains + dividends) /initial investment, excluding brokerage fees.

Products included under the CPF Investment Scheme

Ready to start?

Speak to the Wealth Planning Manager today for a financial health check and how you can better plan your finances.

Let's Meet

Start planning for retirement by viewing your cashflow projection on DBS Plan & Invest tab in digibank. See your finances 10, 20 and even 40 years ahead to see what gaps and opportunities you need to work on

Try it now

Disclaimers and Important Notice
This article is meant for information only and should not be relied upon as financial advice. Before making any decision to buy, sell or hold any investment or insurance product, you should seek advice from a financial adviser regarding its suitability.

Thank you. Your feedback will help us serve you better.

Was this information useful?

That's great to hear. Anything you'd like to add?
We're sorry to hear that. How can we do better?
Enter only letters, numbers or @!$-(),.