[Blasterlord2]

You’re not looking at the S&P 500 then?

Some folks too would argue that using cash to pay for housing is better as cash is sitting in your bank earning a measly amount eg 0.05% but your cpf OA is 2.5%

In the model that's generated by Endowus, S&P 500 is one of those recommended, together with dimension funds (for developed and developing markets).

Yah, I'm not sure if I made a mistake in my housing payment. I paid for my HDB in full using my CPF and cash, that's why I've very little CPF. I thought I want to give myself the assurance that at least my house is fully paid for so I don't have to worry about any loans. I'm a person who don't like to take loans. 

For cash, some already invested in some stocks but they're not doing well at the moment.