FSMOne

ARE YOU READY: TO MAKE THE MOST OF YOUR CPF

FSMOne

How often do you include your CPF monies when planning for your finances?

Or, do you simply leave it aside, thinking that it’s untouchable but sufficient to cover the cost of your retirement?

FSMOne

Use this retirement calculator as a quick tool to estimate how much you’ll need.

FSMOne

Spoiler alert: It isn’t.

While our CPF Ordinary Account (OA) and Special Account (SA) provide 2.5% p.a. and 4% p.a. respectively – have you considered that you can do even better through investing?

MANAGED BY PROFESSIONALS

Unit trusts are a good way to start.

They are a basket of assets (stocks, bonds, and other investment instruments) that are actively and professionally managed by a fund manager. They’re diversified and a great way to get started with minimum investment amounts as low as $1,000 / $100.

Build your portfolio with a GDP-weighted approach

We’re advocates of the GDP-weighted approach and have identified 5 major economic regions that drive most of the global economic output:

US

Europe

Asia ex Japan

Japan

Emerging Markets

Learn more about our recommended allocation and shortlisted funds so that you can build your desired CPF portfolio.

INSIGHTS

FAQs

  • Are at least 18 years old;
  • Have more than $20,000 in your OA; and or
  • More than $40,000 in your SA;
  • Have an agent bank account with DBS, OCBC or UOB if you are investing your CPF-OA (don't worry, it's easy to open one);
  • Are not an undischarged bankrupt; and
  • Have an FSMOne account!

  • Have an FSMOne account (if not, open one here)
  • Complete the CPFIS Self-Awareness Questionnaire (SAQ)
  • Open a CPF agent bank account for CPFOA
  • Available monies in your CPF-OA and/or CPF-SA

With FSMOne.com, there is no sales charge nor platform fee for your CPF investments. The only cost involved (aside from those incurred from the fund), is the agent bank charge.