[ST Premium] 1 in 2 who uses CPF to invest ends up worse off

These articles are just ways to get people to continue to put their money in banks/cpf to get "risk-free" returns. If you've noticed the data set they used was specially handpicked and chosen during the crash and before the market recovery actually happened to discourage people from investing their CPF. Just look at where the S&P 500 was in Mar 2020 and now. For a local context, even our STI will suffice, look at where it was in Mar 2020 and now. They've both easily beaten the 2.5%.

If you've been reading up and following seedly or any other financial page and just invest using the most basic of methods. I don't think the 2.5% is hard to beat :)

These articles are kinda fear mongering imo haha. Just stay the course and dyodd before you invest!

I have invested my Cpf before I cash out for hdb downpayment 3 years ago in 2019. Best decision ever. When Mar 2020 came, my position went into negative but i knew its just a temporary thing and i continue to monitor on monthly basis. Due to market recovery in 2020 and the continuous uptrend till now, my position is up by 40% and now can be use to pay approx 18 months housing loan installment. This is only because most of the holding is on equities.

CPF have a list of approved investments to buy in, so make sure to DYODD before buying. ​​​

I invested my CPF-OA via Endowus' 100% equity portfolio from Feb 2021. It dipped to a low of -3% to a high of +6.5% presently. For 2020, Endowus' CPF 100% equities reported +15.7% returns.

I'm satisfied with the performance and will continue to DCA into it monthly.

Time for 1M65 movement