What is your CPF-OA investment returns like?

Im pretty new here but I've been following some of the posts on seedly. I must say you've done a great job maxing your SA to FRS and clearing your loan so fast.

Endowus is a great platform to start passively investing. My returns are about 30% from last year (100% equities) but I must caution that you cannot expect these returns in the long run.

I suggest you can start with a small sum and DCA with an aggressive portfolio. I believe it will beat 2.5% returns annually in the long run.

I have a different opinion from the rest. The last 1 year returns are definitely not representative of future returns because of the Covid price crashes.
I think cpf OA is good to keep as a warchest.
You should invest your lower yielding cash/srs 1st.

Invested 10k in Jan 2020. Equity 100%. Subsequently add a fixed amt monthly.

Simple return till now: 18.46%
Ytd : 8.28%

I invested a lump sum from CPF-OA on 23 Jun 2020. I didn't add further. Looking forward to seeing the 1-year result soon. :)

As of 26/4/2021

60% equities & 40% bonds

• Simple Return: 17.42%

• Time-Weighted Return (YTD): 3.93%

1. Time is the free lunch in investing, AND

2. Compounding is the 8th wonder of the world.

Makes sense to take advantage of both now.

Your money has more than 20 years to do its magic.​​​