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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

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 Investible savings refers to the sum of your OA balance and the amount of CPF you’ve withdrawn for investment and education.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

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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.

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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.
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