Do you invest with CPF and SRS? Are they different account? Any difference with this two? What do you invest them in? Long term horizon?

-To invest with CPF, do I need to do some questionnaire then open a/c before I can use OA and SA to invest? Is it another a/c different from SRS?
-Do I need CDP account?
-Can I use CPF to invest in overseas market? How to do so? Or can only use for SG market?
-What do you invest in with your CPF and SRS?
-Any difference in the type of investment I should do using CPF and SRS?
-Also saw that transfer from OA to SA, but thought that perhaps use OA to invest is better option?

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Kenny Pang

26 Sep 2020

Check out these two articles, should answer all your questions above
CPFIS - https://blog.seedly.sg/cpf-investment-scheme-cp...

SRS - https://blog.seedly.sg/supplementary-retirement...

I used to pick individual (yes, there are restrictions on what products you can buy) REITs for CPFIS but have since gone into Robos for both as they give me exposure to US markets.

Answer to your last question, it's the talked about 1M65/4M65. Transferring from OA and using SA guarantees you compounding interest of 4%. But this is irreversible and you should consider other factors especially if you need to use your OA for housing down payment in the next couple of years for instance.

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