Scheduled Maintenance: CPF digital services will not be available on 4 June 2023 from 12am to 8am.

A Singapore Government Agency Website
Central Provident Fund Board logo
Who we are Tools and services Infohub
You are at
my cpf

Account balances, dashboards, statements, and more.
CPF overview
Growing your savings
Retirement income
Home ownership
Healthcare financing
Account services
Who we are
Tools and services
Infohub
e-Cashier
FAQs
Calculators
Forms
Main menu

my cpf

my cpf Home
My dashboards
My statements
My requests
My activities
My mailbox
my cpf

My dashboards

Retirement
Home ownership
Healthcare
Providing for your loved ones
Self-employment
Investment
Education
Child
my cpf

My statements

Contribution history
Transaction history
Yearly Statement of Account
Main menu

CPF overview

Find out more
Main menu

Growing your savings

Find out more
CPF contributions
More ways to save
Investments and interest
Government support
Growing your savings

CPF contributions

Employees
Self-employed persons
Growing your savings

More ways to save

Retirement top-ups and transfers
Matching grant for seniors
Voluntary housing refunds
MediSave top-ups
Growing your savings

Investments and interest

Investing your CPF
CPF interest rates
Growing your savings

Government support

Workfare Income Supplement
Main menu

Retirement income

Find out more
Monthly payouts
Retirement withdrawals
Government support
Retirement income

Monthly payouts

CPF LIFE
Other payouts
Retirement income

Retirement withdrawals

For immediate needs
For reduced life expectancy
Retirement income

Government support

Silver Support Scheme
Main menu

Home ownership

Find out more
Using CPF for housing
Protecting against losing your home
Planning your housing journey
Main menu

Healthcare financing

Find out more
Using MediSave
MediShield Life
Supplementary coverage
ElderShield
CareShield Life
Main menu

Account services

Find out more
Your account information
Providing for your loved ones
Account closure
Account services

Your account information

View your account balances
Update your contact preferences
Account services

Providing for your loved ones

CPF nomination
Insuring to protect your dependants
Account services

Account closure

When you pass away
When you leave Singapore

Your page is loading.
One moment please.

Updates on 20 Apr 2021

Added new section for home page under banner.

Overview

Investment options under CPFIS

You can invest your CPF savings in a wide range of investments to enhance your retirement savings. However, CPF Board does not endorse any product providers or investment products that are included under the CPFIS.

 

You should also bear in mind that all investments come with risks. If you’re unsure about investing, you should leave your money in your CPF accounts to earn risk-free interest.

Learn more about CPFIS
Options

What products you can invest in

The investment products that are included under the CPFIS are as follows:

Investment products included under CPFIS

You can invest using your CPF savings from

OA

SA

Unit Trusts (UTs)

Yes

Yes

Higher risk UTs are not included

Investment-linked insurance products (ILPs)

Yes

Yes

 

Higher risk ILPs are not included

Annuities

Yes

Yes

Endowment policies

Yes

Yes

Singapore Government Bonds (SGBs)

Yes

Yes

Treasury Bills (T-bills)

Yes

Yes

Exchange Traded Funds (ETFs)

 

Yes

No products currently available

 

Higher risk ETFs are not included

Fund Management Accounts

 

Yes

No

Fixed Deposits (FDs)

Yes

Yes

Statutory Board Bonds

No products currently available

Bonds Guaranteed by Singapore Government

No products currently available

Up to 35% of investible savings (PDF, 0.1MB) can be invested in:

Shares

Yes

No

Property Funds

Yes

No

Corporate Bonds

Yes

No

Up to 10% of investible savings (PDF, 0.1MB) can be invested in:

Gold ETFs

Yes

No

Other Gold products (such as Gold certificates, Gold savings accounts, Physical Gold)

Yes

No
See more on product information and list of service/product providers (PDF, 0.4MB)
Amount

How much CPF savings you can invest

1
CPF Investment Scheme-Ordinary Account (CPFIS-OA)

You can invest your OA savings after setting aside $20,000 in your OA.

 

In addition, you can only invest up to 35% and 10% of your investible savings in stocks and gold, also known as the stock and gold limits. Investible savings refers to the sum of your OA balance and the amount of CPF you’ve withdrawn for investment and education. You may refer to the example on the computation of the stock and gold limits for further details.

See example (PDF, 70KB)
2
CPF Investment Scheme-Special Account (CPFIS-SA)

You can invest your SA savings after setting aside $40,000 in your SA.

Available OA and SA savings that can be used for investment

You can find out how much of your OA and SA savings you can invest via the following ways:

  1. Log in to my cpf digital services with your Singpass > Select my cpf > My dashboards > Investment
  2. Log in to CPF Mobile app with your Singpass > Select My Investment; or
  3. Visit any CPF Service Centre with your identity card.