At a Glance

The CPF Investment Scheme - Ordinary Account gives you the flexibility and control of deciding where to invest your CPF savings for greater potential returns and a more comfortable retirement.

A wide range of investment options:

  • Singapore Government Bonds
  • Singapore Government Treasury Bills
  • Statutory Board Bonds
  • Bonds Guaranteed by Singapore Government
  • Annuities
  • Insurance Policies and Investment-Linked Products
  • Unit Trusts
  • Fund Management Accounts and Exchange Traded Funds (ETFs)
  • Shares, Property Funds and Corporate Bonds (capped at 35% of investible savings^)
  • SPDR Gold shares (capped at 10% of investible savings^)

How to Apply

Ease of information available: receive monthly statements with information about your investment, total costs and estimated market value, plus advance notice of all rights announcements.

Convenience of self-service banking: for existing iBanking, Phone Banking or ATM card holders

Investment Transaction POSB ATM iBanking Phone
Check available balance for investments

Investment Account Portfolio  

Transfer funds from CPF Investment Account to CPF Ordinary Account

Purchase unit trusts if your CPF Investment Account is with DBS  

Electronic Security Application (ESA)

ESA Results Enquiry  

Available stock and gold limit


Eligibility & Fees

You are eligible for this account if you are a CPF member, at least 18 years old, with more than S$20,000 in your CPF Ordinary Account, and are not an undischarged bankrupt. Please note that you can only maintain one CPF Investment Account.

* From 1 April 2008, only monies in excess of $20,000 in your Ordinary Account can be invested.
The interest rate on balances in the CPF Investment Account which are not invested is currently 0.050% p.a.
^ Investible savings refer to the total balances in CPF Ordinary Account plus monies already withdrawn for investments & education.

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$50,000 for each depositor per Scheme member.

Schedule of charges

Click here for full terms and conditions.

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