Fel M

Officer at Government

17 Nov 2020

∙

Is anyone here not considering CPF RA to be part of your portfolio at retirement? What other avenues are you using?

I understand a guaranteed 4%, but I prefer liquidity for emergencies, and 4% leaves you desiring a bit more. I am going for a global stocks ETF and slowly transition to bonds as I age. Whatever is in my CPF and given out as CPF LIFE I will treat as a bonus. Is anyone using a similar or any other strategy?

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Caleb Seah Hua Xiang

17 Nov 2020

I don't.
As I'm self employed and wanting to Financial independent early.
So if i depend on RA, I'll be cpf rich and delay in my FI plan.

So instead I'll make my money to be slave by making full use of them to reach F. I. Through the use of etf to reach early retirement.

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What if CPF RA exceed Enhanced Retirement Sum (ERS) at age 55? If choose not to withdraw, how much CPF life can pay? Using 1M65 as an example, how much CPF life pays based on 1million balance at 65?

Hi, I would like to seek your kind advice on the use cases of CPF Life vs Retirement Sum Scheme. If possible, could anyone do a simple rundown of numbers with the Full Retirement Sum?

My parents' CPF do not meet the Basic Retirement Sum. If I were to start topping up their RA now making use of the Matched Retirement Savings Scheme, how will the monthly payout be decided?

When diversifying my portfolio, should I consider my CPF SA as part of the weight, or should I only take my investible amount as the base (i.e. 100%)?

Personally, do you use CPF to pay for insurance? Is this a good approach or should our CPF be only used for our savings since that is our retirement fund?