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Debbie

2d ago

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If you could only choose one: max out CPF top ups yearly or invest the same amount into S&P500/ETFs?

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1M45

2d ago

CPF= asset rich , cash poor

ETF= liquid asset rich

Cost of living in Singapore is climbing rapidly, don't lock your money for the future (retirement) and forgot about the present.

Run a "lean CPF" strategy: Just let the mandatory employer and employee contribution build the baseline safety net. Stay liquid, you retain optionality.

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Shirley

2d ago

If I could only pick one and had a long time horizon, I’d probably go with S&P500/ETFs for the higher growth potential. CPF top-ups are great for guaranteed returns and retirement safety, but they’re also much less flexible since the money is basically locked up for decades.

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