Should I a) use my CPF OA funds to invest in Endowus or b) transfer my OA balance into SA to earn 4% interest? (Assume house is already bought and no other use for OA funds)?

Is the flagship 80% 20% equity and bonds distribution better than 100% equity given the current high ATH in SPY?

Hi Mr Risk Averse,

The expected returns from the Endowus equities portfolio is more than 4% - if you are able to commit that money into long term investments then you should be able to do better than 4% returns. You can read more about investing your CPF from my co-founder, Greg here

Ultimately the decision hinges on your risk apetite, investment time horizon. Hope this helps!