Is Keeping Money in CPF Your Best Move?
CPF accounts offer guaranteed returns backed by the Singapore Government — but they are not your only option. Compare CPF growth against Singapore Government bonds, the STI ETF, or global equity ETFs. Adjust the initial amount and investment period to see how each strategy performs side by side, so you can decide what best fits your retirement timeline.
Disclaimer: The investment returns shown are historical averages and do not guarantee future performance. Investments carry risks including potential loss of principal. CPF savings are guaranteed by the Singapore Government. Always consult a financial adviser before making investment decisions.
Investment Returns Calculator
Growth Over Time
Final Value Comparison (20 years)
| Investment Type | Rate p.a. | Risk Level | Final Value | Total Gain | Gain vs CPF OA |
|---|---|---|---|---|---|
| CPF OA | 2.5% | Low | $81,930.82 | $31,930.82 | $0.00 |
| CPF SA/MA/RA | 4.0% | Low | $109,556.16 | $59,556.16 | +$27,625.34 |
| Singapore Bonds | 3.5% | Low | $99,489.44 | $49,489.44 | +$17,558.62 |
| STI ETF | 6.0% | Medium | $160,356.77 | $110,356.77 | +$78,425.95 |
| Global Equity ETF | 7.5% | Medium | $212,392.56 | $162,392.56 | +$130,461.73 |
| Tech Stocks | 10.0% | High | $336,375.00 | $286,375.00 | +$254,444.18 |
Key Considerations
CPF Advantages
- • Guaranteed returns by Singapore Government
- • No market volatility risk
- • Tax-free interest earnings
- • Automatic monthly contributions from salary
Investment Advantages
- • Potential for higher returns (with higher risk)
- • More liquidity and flexibility
- • Diversification opportunities
- • Can invest beyond CPF limits
Investment Risks
- • Market volatility can lead to losses
- • No guaranteed returns
- • Requires knowledge and active management
- • Historical returns do not guarantee future performance
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