I have a CPIF investment that i dont think is reaping much . is this CPIF actually good or it would be better off in my CPF OA.. ?

Hi,

Short Answer: Bad! So take it out!

Why? OA earns you 2.5% guaranteed atleast. If you are earning more then that in your CPFIS, I would like to know and invest in that too. =X

It's not too late, take it out and leave in OA. If you're intending to invest your OA for a better retirement, then you should just have transferred some OA to your SA (But that takes some calculations)

Point is, just leave it in OA until the SG government reduces to 0% fee for CPFIS, which then might make CPFIS more attractive. https://www.businesstimes.com.sg/government-eco...

You will need to know what you invested in. Looking at your comment below, if it was indeed Unit Trusts, there is no guarantee of any form. Depending on which unit trust you invest in, returns can potentially be better than CPF OA's interest, but you are at the mercy of the market, and hence if you require the CPF monies for a milestone that is coming up in the short term (<5 years), it might be better to keep it within the safety of CPF.

If you can send me the details of your investment, I might be able to give you a more detailed opinion so that you can gain some clarity.