Should we invest the money in our cpf or just keep it there ?

Hi Anonymous, take a look at this.

It shows that in 2015, 58% of members lost money with their CPF. BUT it also shows that in 2016, 78% of members made more than 2.5%

What does this mean to you?
1) Investment has risk. You could lose. If you hate it, then stay safe with your CPF.
2) Investments need time to perform. One year you lose the next few you win. On a diversified approach, this is just to describe the journey.

If you're now clear about whether it suits you and want to start, look to invest only the amounts above $20,000 for your CPFOA.

I've a further article on a diversified tool to start your CPF investment journey https://www.theastuteparent.com/2018/07/why-fir...

If you are confident in making investment decisions and in making more interest than cpf can give you, then sure! However, if you will be using the funds within the next few years, i would suggest to just keep them in your cpf :)

If you believe you can beat the guaranteed interest rates for oa / sa, then why not? Personally i invested some of my oa into REITs that are yielding at about 6% onwards. Do note that you can only invest the amount that is above the first 20k/40k for oa/sa respectively.

Simply ask yourself 2 questions:

1) Can you almost-guarantee earning than 2.5% pa or even 4% in the long-run?

2) How comfortable are you with losing your capital in the short-run for longer-term gains?

If you are less risk averse and know suitable products that pays more returns that the cpf interest rates, why not go ahead, especially if you are young and have decades till retirement?:)

I don't think you need to worry about investment experience/knowledge. Such things are easier learnt along the way.

:)