CPFIS funds post 4.06% loss in 2nd quarter

[yeokiwi]

Imagine the following analogy:-
Your father ask you to save and invest 36 per cent of your income through him. He gets 12 per cent and gives you 2.5 per cent. The excess is kept by him, and if you have an emergency and need to use it, both your father and grandfather have to approve.

Ｔｈｅ　ＣＰＦ member　ｃａｎ　ａｌｗａｙｓ　ｉｎｖｅｓｔ　ａｌｌ　ｏｆ　his　ＯＡ　ａｎｄ　ＳＡ　ｆｕｌｌｙ　ｉｎ　ｐｒｏｐｅｒｔｉｅｓ，　ｓｔｏｃｋｓ，　ＥＴＦ　ａｎｄ　ｕｎｉｔ　ｔｒｕｓｔｓ．Ｔｈｅｒｅ　ｉｓ　ｎｏ　ｎｅｅｄ　ｔｏ　＂ｂｅｎｅｆｉｔ＂ｔｈｅ　ｓｔａｔｅ　ｉｎｖｅｓｔｍｅｎｔ　ｖｅｈｉｃｌｅｓ　ｉｆ　ｔｈｅ　member resents it and thinks lowly of the 2.5% return.
In that case, the member can get a higher return by his own capability.

Is not free to do anything you like as you so describe which btw you forget to mention that one has to repay back everything in full with interest incurred back to cpf, and this will affect the final balance later to compare against the "minimum sum (TBD)" which the outcome will determine if you meet the requirement for withdraw or not.

The goal post has shifted. I am referring to the original argument that "the state investment vehicles get 12% and gives 2.5%" and the state benefits from CPF deposit. I am offering a solution to investors that resent letting the state investment vehicles getting 12% return.

Anyway, for those investors who deny the state the easy cash and gotten 12% annually, they can withdraw everything except the minimum sum at 55.