Bank Account Vs CPF

If the sum of your bank balances and investments is similar to your CPF account, and CPF takes 37% of your salary, you may want to evaluate if you are spending too much and if your investments are yielding lower returns compared to the CPF. It could be a good idea to review your spending habits and investment strategies to ensure you are optimizing your financial situation. You can look into ways to better use the CPF interest rate to grow your money.

It's hard to make a judgement without actual numbers.

i don't mind sharing that I have hit the FRS and my bank assets and investments are worth way less than the FRS.

if you are close to the FRS, then I would think your non-CPF portfolio is super duper impressive