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So CPF falls in C quadrant then.....hmmmm
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Over the three-year period from 1 July 2009 to 30 June 2012,
The period chosen is lousy. If they had added another 3 years prior before 2009, I think the quad chart will be much uglier.
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This chart is self defeating from CPF... it clearly shows that there are much better investment from existing products (even within the C quandrant) that offers better returns than CPF. If we as participants were given a choice, there is no doubt the choice we would make.
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Sorry but how do you get that?
Annualise returns for CPF (considering if you use SA at 4%) the annualised monthly returns is only 4.07%.
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25-08-2014, 11:13 AM
(This post was last modified: 25-08-2014, 11:16 AM by specuvestor.)
^^^ Nice... timing is always important for anyone who has done marketing
That's why I always believe asset allocation timing for the medium to long term is important. To say fundamentals doesn't need to time does not fit into observation
Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. –William A. Ward
Think Asset-Business-Structure (ABS)
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I wonder how the picture looks over a longer term period, maybe 7 - 15 years time frame.
2007 - 2012 are not exactly vintage years nor representing how the stock market performs generally.
While I agree that CPF provides a form of safe harbour in times of uncertainty, it certainly is not the most efficient allocation of money either.
Public money and accountability could be the reason, but 2.5% is not exactly compensating for the effects of inflation.