You can trade Stocks/ETFs using CPFIS-OA or SRS funds by logging in to your FSMOne account and going to Transact > Stocks & ETFs. When placing your order, select CPF-OA or SRS as your payment/redemption method.

Before trading, please ensure that:

• You have opened a CPF Investment Account (for CPFIS-OA) or an SRS Investment Account (for SRS) with DBS/POSB, OCBC, or UOB.
• Your CPF-OA or SRS Agent Bank details are updated under Account Settings > Bank/CPF/SRS Details.
• You have sufficient investible balance (for buy orders) or holdings (for sell orders) in your CPF-OA or SRS account.

If the investible balance or holdings are insufficient for settlement, the transaction will be converted to Cash Settlement, and relevant charges may apply.

For further information on CPFIS or SRS, please contact CPF Board (for CPF matters) or your respective CPF/SRS Agent Bank.

Note: You do not need to manually transfer funds from your CPFIS or SRS account; FSMOne will liaise directly with your agent bank to process the payment for your transactions.

You can invest in SGX-listed, SGD-denominated Stocks and ETFs using CPFIS-OA or SRS funds. All CPFIS-OA and SRS trades must be settled in SGD. 

To view eligible Stocks/ETFs on FSMOne:

1. Stocks Screener / ETF Selector
   • Stocks: Stocks > Stocks Screener → Select CPF or SRS under “Payment Method”
   • ETFs: ETFs > ETF Selector → Select CPF or SRS under “Payment Method”
2. Transact Page:
   • Transact > Stocks & ETFs > Prices tab → Check the “Trading Info” column to see if CPF-OA/SRS trading is enabled

For more information on CPFIS or SRS eligibility rules, please contact CPF Board or your CPF/SRS Agent Bank.

To check your SRS balance, you would need to check with the respective SRS agent bank which you open the SRS account with:
For OCBC: Log in here > Investments & Insurance > Retirement Portfolio
For DBS/POSB: Log in here > Investments > SRS Account
For UOB: Log in here > SRS Accounts

Each SRS trades will incur Agent Bank charges. Please ensure sufficient monies in your SRS account for the trades and fees.

Stocks/ETFs bought using CPFIS-OA/SRS account are held with your agent bank and not with CDP or FSMOne.
It is important to check and verify your latest holdings held with your agent bank before submitting any CPFIS-OA/SRS trades.

The sell/redemption proceeds from CPFIS-OA and SRS will be credited into your respective agent bank account.

Contra is not allowed for CPF-OA and SRS trades. You are not allowed to buy and sell the same stock on the same day unless you have sufficient shares in your CPF/SRS account to deliver for your sell order.

Your trades (both buy and sell) will be converted to cash trades and you are require to settle the buy order with cash payment. Otherwise, SGX will commence buying-in to cover the sell position.

You will be liable to the losses (if any), respective charges, including but not limited to Agent Bank conversion fees, SGX buying-in fees and other related charges.

Your CPFIS-OA or SRS trades may be converted to Cash Trades in the following situations:

• Incorrect CPFIS-OA or SRS account details with FSMOne
• Exceeded the investment limit under CPF Investment Scheme
• Insufficient investible balance in CPFIS-OA or SRS account for buy trade (inclusive of your agent bank charges)
• Insufficient shares in CPFIS-OA or SRS account for sell trade
• Contra trades detected

You will be notified via email when your CPFIS-OA or SRS trades are revoked and converted to Cash trade.

For Revoked Buy Trades:
We will deduct the required cash settlement from your Cash Solutions.
If you do not have sufficient balance in your Cash Solutions, you are required to make a top-up before the settlement date (i.e. T+2 business days). In the event that you failed to make payment, the affected contract will be forced-liquidated at our discretion. You will be liable for any losses arising from the force liquidation and a penalty fee of SGD50 for each force liquidation order; profit gain from the force liquidation will not be returned.

To mitigate against the possibility of insufficient balance, please check your latest investible amount/ limit in your SRS Agent Bank Account or your CPF account/CPFIS agent bank prior to placing any SRS or CPF buy trades respectively.

For Revoked Sell Trades:
If you have existing shares of the same stocks/ETF in FSMOne, it will be used to cover the short positions. Otherwise, it will subject to SGX buying-in to cover the short positions.
You will be liable for any losses arising from the buying-in as well as the following charges imposed by the SGX and/or CDP:
Failed delivery processing fee = S$75.00 + GST
Brokerage fee for buying-in = 0.75%+ GST of contract value
Daily Penalty of the higher of S$1000 or 5% of the value of the undelivered securities

To mitigate against the possibility of any of the above, please check your latest holdings in your Agent Bank Account prior to placing any CPF/SRS trades.