facebook33 y.o with $150k in my cpf distributed evenlly. Am I behind? - Seedly

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the Boring Husband

Big Bad Boss at Self Employed

05 Feb 2026

CPF

33 y.o with $150k in my cpf distributed evenlly. Am I behind?

Distributed evenly among the 3 accounts. Have a 4rm hdb that I moved in 2 years ago in Tampines. Should I do more?

Photo: Nice Sunset view from my place. I stay low floor. L3

Discussion (30)

What are your thoughts?

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CPF does publish the balances by age yearly. I don't think it's a behind/not behind thing... i.e. comparison not meaningful as each has his/her goals or plans...

If the target is to meet retirement needs then require to save up as a portion is used up by housing. Same for medical. So it's again back to the goal of the person. Some feel it's ok not to have high balances in CPF as they have their own liquid/non-liquid investment monies (can be used for housing, medical and retirement too).

You could do more with the $150k in CPF. Invest the money in steady dividend stocks to earn above the interest offered by CPF. There are many Singapore listed dividend stocks that are still paying 5-6% dividends and these stocks are the bedrock of Temasek Singapore portfolio as well.

Depends on what you want by doing more?

savings? retirement? for your kids education or ???

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Seems to be very good. Best of house is fully paid.

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Good view....

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