What happens if CPF changes their policies which affects the current interest rates? Do you think there should be a ratio of how much you should place into CPF and keep as ready cash? - Seedly
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Anonymous

Asked on 02 Mar 2019

What happens if CPF changes their policies which affects the current interest rates? Do you think there should be a ratio of how much you should place into CPF and keep as ready cash?

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Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jul)

Level 9. God of Wisdom
Answered on 27 Feb 2020

Though CPF seems a safe choice

possibly if applied ultra-longterm

excess money could better be put

into passive global or U.S. index

ETFs like tickers: VT, or VOO to

mention just examples

(at least the past performance

seems super-successful

compared to other asset allocation

choices like f.ex. bonds or mutual funds/unit trusts

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Chen Zhirong
Chen Zhirong
Level 5. Genius
Answered on 02 Mar 2019

Ready cash should be 6 months worth of expenses. No need to make it a ratio.

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