MPs offer ideas to improve CPF

[cywong76]

People are already screaming that 2.5% is low, I doubt most people can stomach negative returns.

Perhaps they can package different risk models for people to choose, just like how the annuity plans are designed. However, it could be pretty complex, esp. if people keep on changing the models based on economy.

I believe there are cases where people make use of the OA "investment" to "withdraw" money, although at a loss. Or people makes use of the OA investments to prevent HDB from deducting all their OA money when they bought a new HDB flat.
This could be one reason why the investment returns are pathetic.