Hi, may i check for any recommendations for investment that uses CPF-SA?

Hi anon,

You will not find any SA approved products that return better than a guaranteed 4%.

However, in times of crisis (e.g. Mar 2020), you may actually tactically deploy your SA into balanced funds (bond funds don't give 4% p.a., and there are no equity funds or equities allowed via CPF SA) and you can make more than 4% p.a., but that is a very big risk that you take on, compared to leaving it in your SA.

You must also be prepared to take profit from the fund once the run is coming to an end. If you are not disciplined enough to do this, it is better to leave your SA monies intact.

I would definitely keep my CPF in my SA for the 4-5% pa interest almost risk free.

And because of the higher interest rate, the funds which are allowed for investments are alot more limited.

Personally I invest my CPF OA instead using my CPFIS-OA and do it through a robo-advisor EndowUs which has been yielding more than 2.5% for sure.