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Aubrey

30 Jan 2025

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Investing T-Bill using CPF OA

Is it worth investing into T-Bill using fund from OA? How to calculate the potential interest earn compared to losing the 2-month of interest from OA? Anyone can share how the interest from OA is computed?

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1M45

Edited 05 Feb 2025

CPFOA: $1000 × 2.5% / 12 mth = $2.083 Per mth or $25 per year.
If Tbill cut off yield = $97.058
Interest from tbill= 1000- 970.58= $29.42

https://www.mas.gov.sg/bonds-and-bills/auctions...

Net interest gain = $29.42 - $25 = $4.42.

Account for 2 mth loss. $2.083 x 14 = $29.12
You still get $29.42- $29.12 =$0.03 per $1000 invested. Have not factor transaction fee..

Thus i think not worth to buy T-bill now.

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Pet N

04 Feb 2025

Hmmm I don't think it's worth

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tinycents

03 Feb 2025

If rates less than 3% don't need la, won't have much diff in the long run....

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