CPF monies - bond or cash?

CPF for retirement/ savings

Ill treat it as bond (illiquid) because its still a long way for my withdrawal

Hmmm. 1st change is unavoidable but we can take calculated risk - e.g. before govt do anything - their pattern seems to be will seek the public's view, collect info, in public events the relevant ministry (manpower/CPF Board) will give very obvious hints - so when that happens - we have to be on full alert how to respond then.

1 good example is this - the CPF OA rate remained at 2.5% when the FD n TBills grew to 4% - didn't the more savvy + hardworking ppl shift their unused CPF OA to FD/Tbill? There's really also 1,001 articles on mainstream media + CPF Board + forums on why the 2.5% was not raised.

I see CPF OA + SA as very long term investment. When I m 30s, 30 years investment, 40s - will see it as 25 years investment, 50s - 15 years investment

CPF MA - insurance payment channel + healthcare subsidy + pay for parents' insurance

No right and wrong, everyone may see it differently. But no negativity - if dun have, a lot of pple sure will squander away the money one (no discipline). Myself included. If the CPF system is that lousy, why China and many countries copy us leh? hahahaha.

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• Safety net cash/savings - for medical (lowering cash payout), housing (lowering loans) then later retirement-cash (65 years old onwards).
• But also have enough cash/insurance/investment to come alongside the safety net (not relying on it alone as it's not designed or meant to be) - for medical (if sudden/critical illness/accident), housing (cash savings, maintenace savings), retirement (investments)
• Everything can change - we may not live to see tmr yet we shld plan up to what we are aware of and where there's changes, time to review plan (not be lazy)! E.g. when Company change business nature or update SOPs - we adapt don't we?