My agent advised me to invest my CPF OA money into AIA funds? Am I better off keeping my money in CPF OA or invest them into AIA recommended funds?

Can the aia recommended funds perform better than 2.5% pa in the long-run? Also, how comfortable are you with losing your capital? If aia funds can perform better than cpf, capital gauranteed or you are able to tolerate some losses short-term for greater long-term gains, then can consider the aia funds...

There is no guarantee in the returns % for any investments. It also depends a lot on how prudent your agent / yourself to monitor the trends. Otherwise, you may end up like me, making in a loss in my very first CPF investment due to me being a total noob in investment and do not know how to monitor and watch out for trends, and rely solely on my agent cum friend, who turns out to "hit & run" after I invested, Luckily for me, the invested amount is not much as I just started work for few years, and I sold off the funds before all my capital gone into the drain. For this case, it may have been better if I just leave my money in OA earning the 2.5% interest,

Why AIA funds? What is the track record? I hope you understand that also means there is no guarantee that it will earn more than CPF's interest...

According to recent studies, 69% of those who use their CPF money to invest earn more than the OA interest rate of 2.5%. If you don't want to take the risk and fall into the 31% of people who earn less than 2.5%, I'll say it's better to leave the money in CPF :)