There are many articles out there talking about how to achieve 100k by 30. Does the 100k includes just pure cash savings? Or it include CPF oa/sa/medisave and investment portfolio?

Ask yourself perhaps, which way of calculation pushes you to find ways to work a little harder/ a little smarter?

I'm gonna assume you're the same guy who asked the other question about 100k by 30 and the other guy who commented on my other response about saving money as well.

What you factor into the computation is dependent on what you're using the number for. Personally for myself, I'm counting only my invested assets (including cash set aside for investing that haven't been utilised). This is because I'm using it to track my progress towards my FIRE number. Hence, to include values like emergency funds or housing inside it would be meaningless as these values cannot be used to generate income in retirement and hence, would project a false sense of progress. I don't include CPF because my FIRE age is set to pretty young (40), so I only treat CPF as a bonus in retirement since I would need to survive 15 years before my CPF is unlocked.

However, if you follow a more traditional retirement plan, then sure, you can include CPF in as it'll form a portion of your retirement funds.

Hope this clarifies your question!