This is probably something that quite a handful of CPF members struggle with. Although I cannot say that what has worked for me would definitely work for them, I can say, if we believe in having some investment grade bonds in our portfolio, that it is something worth considering.
I have been a follower of your blog and I have one question to ask.
I like to take the low risk style to invest, and that's why I have been investing in unit trusts and shares like Singapore Airlines and Singtel.
However, I realised that we can do self top ups to Special Account, which will earn a guranteed 4% per annum interest.
Considering that is risk-free, I think it is a worthy decision to transfer my investments to this special account.
Do you think I should transfer to the special account?
I do know that I can only withdraw from it at 55 years old, but I'm planning for the future :0
OA to SA transfer was something I did consistently in my early years. ;)
It has turned out very well for me. :)
It is also worth reminding ourselves that it is not only risk free, it is also volatility free which is good for my heart.
This isn't Quantum Physics.
It is simple math.
1. AK's CPF SA outperformed in 2015.
2. AK is showing off his CPF OA and MA.
3. Building a cornerstone in retirement funding.
4. Some people say AK "how lian".
5. A note on the CPF and a break from blogging.