I started serious Investing Journey in Jan 2000 to create wealth through long-term investing and short-term trading; but as from April 2013 my Journey in Investing has changed to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

Since 2017 after retiring from full-time job as employee; I am moving towards Investing Nirvana - Freehold Investment Income for Life investing strategy where 100% of investment income from portfolio investment is cashed out to support household expenses i.e. not a single cent of re-investing!

It is 57% (2017 to Aug 2022) to the Land of Investing Nirvana - Freehold Income for Life!

Click to email CW8888 or Email ID : jacobng1@gmail.com

Welcome to Ministry of Wealth!

This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

Think Investing as Tug of War - Read more? Click and scroll down

Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

Value Investing
Dividend/Income Investing
Technical Analysis and Charting
Stock Tips

Wednesday 22 August 2018

Maximizing Your CPF For Retirement Is So Much Easier Than Trying To Optimize Your CPF For Retirement

Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (10)

The original topic for the talk was Maximizing Your CPF OA For Retirement when Uncle8888 was first approached by organizer to join the talk as speaker. Uncle8888 immediately rejected it as he was the wrong person for this topic.

How difficult can it be for anyone who has some truly spare cash on hand to maximise his CPF for retirement?

To optimize CPF for retirement through CPFIS is totally different ball game! 

It is never easy!

In Singapore's investment blogopshere with so many investment and personal financial bloggers; how many blog posts have you came across on CPFIS investment stories.

Read? One Uncommon Way To Top Up CPF OA Through CPFIS

Maximizing your CPF for retirement is safer, easier and trusted way to do it and big daddy has already learned from their past mistake with Mederka Generation and will not repeat the same mistake to future generations.

Read? Chop Fingers liao!!! (2)

Let maximize our CPF for retirement

1. Transfer CPF OA to SA to meet FRS sooner and let the magic of compounding interests of 4% works wonder for us

2. Voluntarily top up CPF with our spare cash

To optimize?

It goes far beyond your savings skill!

In fact; it can be bloody experience!

"Do or do not, there is no try" - Master Yoda


  1. CW,

    It puzzles me why we need someone to tell us how to increase our savings or maximise our CPF returns!?

    I mean if we have $100K in a savings/fixed/CPF account, there's only 2 ways to increase the "yield" or "returns":

    1) increase the interest rate - CPF interest we cannot control; but for banks we can shop around.

    2) increase the dollar amount in the account (and don't withdraw any money out).

    If anyone has to pay money to learn this primary school math, maybe the money should be better spent on tuition to retake their PSLE instead!?

    1. may be some will need some assurance to validate their thoughts. Trust but verify - smol.

    2. CW,

      Trust but verify your head!

      Its more like people queue, I also queue!


  2. temperament,

    That's more like it!

    You old fox you! You are definitely not "saving" your money in bonds ;)

    Institutions invest/trade bonds for CAPITAL GAINS ;)

    Voluntary CPF contributions have ZERO capital gains potential.

    Investing in a corporate or soverign bond that pays a similar yield is same same but different. We make capital gains if interest rates goes down. Of course the reverse is true when interest rates goes up. Ouch!

    And must crack our heads to determine whether to invest in the short end or long end of the yield curve? 1 year, 5 years, 10 years, 30 years? Or a combination between short and long duration to earn the spread?

    And we may lose 100% of our capital if the bond defaults. Of course we can buy CDS as insurance, but not easy for retail without private banking access...

    There's a reason why bond traders are masters of the universe ;)

    No. Voluntary CPF contribution is not fixed income investing.

    There's no craftsmanship involved.

  3. Everyone who has some spare money can do it. I can. You can! Sure can!


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