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Why I’ve decided to invest my CPF-OA now

Ever since our government announced that the CPF Special Account (SA) would be closed, I’ve been thinking hard about how to invest my CPF funds for higher returns. It now makes little sense to continue transferring funds from my Ordinary Account (OA) to my SA; now that the closure (from age 55) will see all SA savings transferred to the Retirement Account (RA) up to the Full Retirement Sum (FRS), and any remaining savings returned to the OA. And at that age, my remaining investment horizon and risk appetite will be significantly lower. Having my money earn just 2.5% per annum – barely beating inflation – does not sound like a good plan to me. Hence, I started investing my CPF-OA monies this year. This article documents my thought process and reasoning, and I hope it helps any of you who are…