Annual CPF withdrawals historical graph

Found this CPF withdrawals graph interesting. Didn't know it changes so drastically from year to year...I always though such stuff should be more gradual but it looks more like the recent penny stock rollercoasters:

http://www.wilfredling.com/content/view/1763/9/

eyeballed the charts

1st peak - 93 bull run. Singtel IPO.
2nd peak - 97 red chips/ China bull run.
3rd peak - dotcom boom. TMT unit trusts all rage.

(23-01-2014, 03:26 PM)smallcaps Wrote: Found this CPF withdrawals graph interesting. Didn't know it changes so drastically from year to year...I always though such stuff should be more gradual but it looks more like the recent penny stock rollercoasters:

http://www.wilfredling.com/content/view/1763/9/

Ha!Ha!
Everyone knows "Buy Low, Sell High" but majority of people in the market will do a "Buy High, Sell Higher" - until some of them (or most of them) will panic when the Market suddenly turns South of the border, near Mexico town. Then they will do a Sell at whatever price (Buy High, Sell Low lol).
Financial Science have said, people all over the world are the same.
"BHSH till BHSL".
Are VB different?
i suppose so.

The general public are still not investors. I believe roughly 90% dont really spend time to do their research. They tends to listen to people more than doing their own homework. Especially when they can see prices/value going up. The stock market is the same, the property market is the same. They will not want to miss out, and it will continue to be so.

VB does not represent the public. Most here are seasoned investors to those who are willing to put in the time and effort to learn how to invest properly. Most will do their own homework, rather than just listening to what others said. This is likely the reason why most here are making good money in 2013 while the STI stayed flat.

Sorry to piggyback on this thread to ask a question related to CPF-OA /CPF-SA. I am a bit unclear on CPF's withdrawal limit to invest in stocks and ETFs and being a new entrant to the job market I cant use my withdrawal limit to gauge.

Therefore I have two questions: A hypothetical situation where an individual has 200k in OA, 60k in MA, 80k in SA.

1) How much is an individual allowed to withdraw to invest in STI ETF?
2) How much is he allowed to invest assuming he decides to invest in an equal weightage basket of SGX, Keppel Corp, Jardine C&C and DBS?

Thank you for your help. A breakdown of what can be withdrawn from OA and SA under the 2 scenarios will be great as well

(03-04-2014, 10:08 PM)CY09 Wrote: Sorry to piggyback on this thread to ask a question related to CPF-OA /CPF-SA. I am a bit unclear on CPF's withdrawal limit to invest in stocks and ETFs and being a new entrant to the job market I cant use my withdrawal limit to gauge.

Therefore I have two questions: A hypothetical situation where an individual has 200k in OA, 60k in MA, 80k in SA.

1) How much is an individual allowed to withdraw to invest in STI ETF?
2) How much is he allowed to invest assuming he decides to invest in an equal weightage basket of SGX, Keppel Corp, Jardine C&C and DBS?

Thank you for your help. A breakdown of what can be withdrawn from OA and SA under the 2 scenarios will be great as well

If I not wrong, you can check the amount you can invest into each category when you log into your CPF account.

(03-04-2014, 10:08 PM)CY09 Wrote: ...CPF's withdrawal limit to invest in stocks and ETFs...
Therefore I have two questions: A hypothetical situation where an individual has 200k in OA, 60k in MA, 80k in SA.

1) How much is an individual allowed to withdraw to invest in STI ETF?
2) How much is he allowed to invest assuming he decides to invest in an equal weightage basket of SGX, Keppel Corp, Jardine C&C and DBS?

Thank you for your help. A breakdown of what can be withdrawn from OA and SA under the 2 scenarios will be great as well

cy,
CPF SA can not be use to buy stocks or ETF.

1) From your hypothetical situation, $200k can be use/withdraw to invest in STI ETF.
For your actual situation, logon to cpf.gov.sg using your singpass.
Choose My Statement - Section C -> Professionally Managed Products.
Look at Ordinary Account (OA) column = the amount you can use/withdraw for STI ETF.

2) From your hypothetical situation, $70k (aka $200k*35%) can be use/withdraw to invest in stocks.
I love Jardine C&C so buy 1 lot = $47,200
then, I'll take keppel, 1 lot = $10, 810
lastly, SGX 1 lot = $7,040
Balance = $ 4800 (est.)
DBS have to wait.

Love Compassion

Hi chialc88,
Are you serious about your No. 2?
Why buy now?

(04-04-2014, 07:17 AM)Temperament Wrote: Hi chialc88,
Are you serious about your No. 2?
Why buy now?

ai yo, T.
cy says hypothetical mah.
so, just play with the scenario based on my instinct law.

if not, what's your recommendation for 2)?
cy wrote: 2) How much is he allowed to invest assuming he decides to invest in an equal weightage basket of SGX, Keppel Corp, Jardine C&C and DBS?

Love Compassion

p.s. the following CPF statistics on member who owns HDB vs member who owns multiple properties

pps: ok, ok, I know it's a lot and probably you're one of the statistics too.

(04-04-2014, 08:01 AM)chialc88 Wrote:

(04-04-2014, 07:17 AM)Temperament Wrote: Hi chialc88,
Are you serious about your No. 2?
Why buy now?

ai yo, T.
cy says hypothetical mah.
so, just play with the scenario based on my instinct law.

if not, what's your recommendation for 2)?
cy wrote: 2) How much is he allowed to invest assuming he decides to invest in an equal weightage basket of SGX, Keppel Corp, Jardine C&C and DBS?

Love Compassion

p.s. the following CPF statistics on member who owns HDB vs member who owns multiple properties

pps: ok, ok, I know it's a lot and probably you're one of the statistics too.

Oh no don't get me wrong! Your No. 2 are all current very good stocks. Only time factor. We all know from 2009 till now how much S&P has climbed. Therefore these stocks are not really "attractive now" at today prices. At least to me hoh!