CPFB | CPF Investment Scheme options

Growing your savings

CPF Investment Scheme options

Invest your CPF savings in a range of investment products to enhance your retirement savings.

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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
Investment products included under CPFIS	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

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 Investible savings refers to the sum of your OA balance and the amount of CPF you’ve withdrawn for investment and education.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)

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:

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

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