[Notdumb]

Nobody force you to take the 2.5% guaranteed.
I'd you wish, you can invest anywhere you want to get higher under CPFIS.

The only issue is why they don't invest for us.

After observing for a while, the main reason is the tendency of Singaporeans not to accept bad years that come if the money is invested for them.  Imagine if the CPF operates like other pension funds and there is a market crash instead of getting 2.5% , Singaporeans get minus 10%. How many can accept?

Imagine this happens in Singapore, can Singaporeans accept?  Problem is Singaporeans have unrealistic expectations ...when you talk about higher return in the minds of Singaporeans it js higher returns without loss which is impossible.



To solve this the role CPF, MAS and govt should facilitate Singaporeans access to.low cost highly diversified funds.

There are many like myself.who think the best approach for retirement is to.invest long term rather than take a fixed rate.
and the options available are quite poor.

Wah Korea wan so honest.