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FundsandNotes

Freelance Motion Designer at Home

09 Aug 2020

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General Investing

How would you invest your CPF?

I've seen a lot of different types of investments, some would use FSMone and others Endowus, which one would you pick if you had to? Which one would have the highest ROI (Hopefully using the correct term) and which one will incur the lowest fees?

A little context on my end. I have around 12k on my CPF, I'm reaching 20 this December and enlisting into the army this year.

Endowus FSMOne Fundsupermart

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YT

09 Aug 2020

You are only able to invest the excess of the first $20,000 for OA,

FSMOne is a brokerage firm which you can utilise to invest in bonds, stocks or funds. The list of investment products included in CPF-IS can be found here: https://www.cpf.gov.sg/Assets/members/Documents...

With Endowus, the allocation for the investments are done for you by the algorithm, tailored to your risk profile. This platform has a minimum investment amount of $10,000 which can be in part cash or CPF.

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I'm a fresh grad, looking to invest 30% of my salary ($1900 after CPF). If I'm considering investing purely into equities (e.g. STI ETF, Robo), what would you recommend my asset allocation to be?

I would like to put 20k into my 23 yr old son CPF. Will I be able to get better returns in other investment over 30 plus years than CPF?

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