CPF Investment Scheme: Who Qualifies and What You Get
Learn how you can use your CPF funds to invest in approved stocks and ETFs to potentially grow your savings.
The CPF Investment Scheme allows you to use a portion of your CPF savings to invest in various financial instruments.
Who it's for
This scheme is available to CPF members who have a sufficient balance in their accounts to cover the intended investments.
What you get
You gain the ability to invest your CPF funds into approved exchange-traded funds (ETFs) and specific stocks. This allows you to use your retirement savings to participate in the market.
What it costs you
While there is no direct fee from the government to participate, you are responsible for all self-directed trading activities. This means you will need to pay transaction fees to your chosen broker or platform when making trades.
The catch to know
You cannot invest your entire balance. You are only permitted to invest the amount that is above your Basic Retirement Sum.
How to apply
- Check your current CPF balance to see if you have surplus funds.
- Ensure the stocks or ETFs you wish to buy are on the approved list.
- Open an investment account with an approved financial institution.
- Follow the application process required by your chosen provider to link your CPF funds.