CPF is for your housing, retirement and so much more.

Q: How do I start investing my CPF savings with Endowus?

Endowus offers advised portfolios that you may use your CPF Ordinary Account (OA) to invest in. As the first CPF digital advisor, investing your CPF with Endowus can be done entirely online by linking your Endowus account with your CPF Investment Account. Here are the steps in detail: 1. Create a CPF Investment Account (CPFIA) with any of the 3 local agent banks (DBS, OCBC, and UOB). 2. Pass the Customer Knowledge Assessment (CKA), a regulatory requirement that ascertain a potential investor's financial knowledge before investing in our CPF portfolios. 3. Create your Endowus investment account using your SingPass, or simply log in if you have an existing account. 4. Choose your CPFIS portfolio based on your risk appetite.

Q: How much CPF OA monies can I invest?

You can invest all of your CPF Ordinary Account balance above the maintenance balance of S$20,000. For example, if you have S$50,000 in your CPF OA, you may use up to S$30,000 of this for investing via the Endowus platform. To find out how much of your CPF OA savings you can invest, please log in to myCPF Online Service or visit the CPF website for more details.

Q: Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing my CPF through Endowus?

As with all investing, there are no guarantees and you must be comfortable taking some risks. This is in contrast with the interest guarantee provided by the Singapore Government for money left in your CPF accounts. If capital preservation is your primary concern, you may wish to consider leaving your CPF monies uninvested. Endowus aims to help you invest with the highest probability of success. Historical data shows that over the long-term, investing in a broad market exposure portfolio is more likely to show positive returns. While there are no guarantees in investing, we believe in the power of markets and long-term investing to deliver a better outcome than the 2.5% p.a. CPF-OA interest.

Q: Who can invest under CPFIS?

You can invest under CPFIS if you are: 1. A CPF member aged 18 and above 2. Not an undischarged bankrupt 3. Holding more than S$20,000 in your CPF Ordinary Account

Why invest your CPF?

Inflation is
outpacing 2.5%

With CPF, time is your best
friend with compounding
returns.

With inflation outpacing 2.5%, investing your CPF may give the best chance of reaping returns that can beat inflation rates.
37% of your income goes into CPF. By investing it early, your CPF returns can compound over a longer time - setting you up for retirement success.
CPF withdrawals only start at 55, so most can ride out short-term market volatility and take a long-term view to investing your CPF.

Your CPF savings
deserve the best

We have curated top-tier funds
that have been approved under
the CPF Investment Scheme.

Using your CPF
monies to buy
property?

Strike the right balance
with these 3 tips.

You will need to refund the full amount of CPF monies used, plus the accrued interest when you sell the property.
If the selling price is not enough to fully refund the above, you will have to make up the difference of what is owed to your CPF, with your own cash.
While your monthly CPF contributions may be used to cover your mortgage, consider setting aside a portion of that to invest for your retirement nest egg.

Seamless
to set up

CPF investing —
made easy.

Trusted with over
$2 billion of CPF &
SRS savings

Building a generation that
invests better to live better

Inflation is
outpacing 2.5%

With CPF, time is
your best friend
with compounding
returns.

With inflation outpacing 2.5%, investing your CPF may give the best chance of reaping returns that can beat inflation rates.
37% of your income goes into CPF. By investing it early, your CPF returns can compound over a longer time - setting you up for retirement success.
CPF withdrawals only start at 55, so most can ride out short-term market volatility and take a long-term view to investing your CPF.

Your CPF savings
deserve the best

We have curated top-tier funds
that have been approved under
the CPF Investment Scheme.

Using your CPF
monies to buy
property?

Strike the right balance with these 3 tips.

You will need to refund the full amount of CPF monies used, plus the accrued interest when you sell the property.
If the selling price is not enough to fully refund the above, you will have to make up the difference of what is owed to your CPF, with your own cash.
While your monthly CPF contributions may be used to cover your mortgage, consider setting aside a portion of that to invest for your retirement nest egg.