CPF digital services will not be available from 4 Dec 2021, 8pm to 5 Dec 2021, 8am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

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

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

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

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Learn more
Main menu

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Learn more
CPF contributions
Saving more with CPF
Earning higher returns
Government support
Growing your savings

CPF contributions

Saving as an employee
Saving as a self-employed person
Growing your savings

Saving more with CPF

Top up to enjoy higher retirement payouts
Matching grant for seniors who top up
Make a voluntary housing refund
Top up your MediSave savings
Growing your savings

Earning higher returns

Investing your CPF savings
Earning attractive interest
Growing your savings

Government support

Support for lower-wage workers
Main menu

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Learn more
Monthly payouts
Retirement withdrawals
Government support
Retirement income

Monthly payouts

CPF LIFE
Retirement Sum Scheme
Retirement income

Retirement withdrawals

Withdrawing for immediate retirement needs
Withdrawing on reduced life expectancy
Retirement income

Government support

Silver Support Scheme
Main menu

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Learn more
Using your CPF to buy a home
Protecting against losing your home
Main menu

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Learn more
Using your MediSave savings
MediShield Life
Getting supplementary coverage
ElderShield
CareShield Life
Main menu

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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

Your account information

Viewing your account balances
Updating your contact preferences
Account services

Providing for your loved ones

Making a CPF nomination
Insuring to protect your dependants
Account services

Account closure

Paying out CPF when you pass away
Closing your account 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 UTs 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)

No products currently available

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 Online 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.