Make the most of your CPF with FSM Global

IT’S NOT ENOUGH FOR YOU TO RETIRE WITH

We're living longer, but spending more time in poor health.

With a life expectancy of 84.8 years and a retirement age of 62, Singaporeans now have 23 years of retirement we must be able to tide ourselves through. Studies conducted by the Ministry of Health have shown that out of those 23 years, 10.6 years are spent in ill health.

We can expect our costs required for retirements to increase – are you ready for that?

Don't count on your CPF Payouts to cover all of our retirement; they’re only a complementary or supplementary source of income for retirement. You're going to have to do more.

Source: Ministry of Health, 2019

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

MAKE THE MOST OF YOUR CPF, CONSIDER INVESTING

The CPF Board has approved several investments and products that you can invest in using your CPF monies. They have met the rigorous standards established by the CPF Board before being made eligible for your investments.

Using the chart selector below, you can plot CPF-OA and CPF-SA eligible funds against standard CPF-OA interest rates to see their growth potential over a period of time.

Well-diversified investments held for the long term can be rewarding

Default Fund:

CPF-OA Interest Rate

Add Fund:

Allianz All China Equity ET Acc SGD

Allianz Best Styles Global Equity Cl EMgi Dis H-SGD

Allianz Best Styles Global Equity Cl ET Acc H2-SGD

Allianz China A Shares ET Acc SGD

Allianz China A Shares ET Acc SGD-H

Allianz GEM Equity High Dividend ET Acc SGD

Allianz Global Artificial Intelligence ET H2-SGD

Allianz Global High Payout AM SGD

Allianz Global High Payout AM USD

Allianz Global High Payout AMi H2-SGD

Allianz Oriental Income ET Acc SGD

Amova Japan Dividend Equity SGD (formerly Nikko AM)

Amova Japan Dividend Equity SGD-H (formerly Nikko AM)

Amova Japan Equity SGD (formerly Nikko AM)

Amova Short Term Bond SGD (formerly Nikko AM)

Amova Singapore Equity SGD (formerly Nikko AM)

Eastspring Investments - Asian Low Volatility Equity Fund AS SGD-H

Eastspring Investments Unit Trusts - Pan European SGD

Eastspring Investments Unit Trusts - Singapore ASEAN Equity SGD

Eastspring Investments Unit Trusts - Singapore Select Bond A SGD

Eastspring Investments Unit Trusts - Singapore Select Bond AD SGD

FSSA Asian Growth A Acc SGD

FSSA Dividend Advantage A QDIS SGD

FSSA Regional China A Acc SGD

FTIF - Franklin India AS (acc) SGD (CPF)

FTIF - Franklin US Opportunities AS Acc SGD (CPF)

FTSF - Templeton Shariah Global Equity AS Acc SGD (CPF)

First Sentier Bridge A DIS SGD

Franklin Templeton Western Asset Global Bond Trust A Acc SGD

Infinity Global Stock Index C SGD

Infinity US 500 Stock Index C SGD

LionGlobal Asia Pacific SGD

LionGlobal China Growth SGD

LionGlobal Japan Growth A SGD

LionGlobal Japan Growth A SGD-H

LionGlobal Short Duration Bond A Dis SGD

LionGlobal Singapore Fixed Income Investment A SGD

LionGlobal Singapore Trust Acc SGD

Natixis Harris Associates Global Equity PA SGD

Natixis Harris Associates US Value Equity PA SGD-H

Natixis Loomis Sayles US Growth Equity P/A SGD-H

PineBridge Acorns of Asia Balanced Fund SGD

PineBridge Asia ex Japan Small Cap Equity A5CP SGD

PineBridge India Equity A5CP SGD

PineBridge Singapore Bond Fund SGD

PineBridge US Large Cap Research Enhanced A5CP SGD

Schroder Asian Equity Yield A Dis SGD

Schroder Asian Growth A Dis SGD

Schroder Asian Investment Grade Credit A Dis SGD

Schroder China Opportunities Acc SGD

Schroder Global Emerging Market Opportunities Acc SGD

Schroder ISF Global Innovation F Acc SGD (CPF)

Schroder ISF Global Sustainable Growth F Acc SGD (CPF)

Schroder ISF Greater China F Acc SGD (CPF)

Schroder ISF Sustainable Asian Equity F Acc SGD (CPF)

Schroder Multi-Asset Revolution 50 Acc SGD

Schroder Multi-Asset Revolution 70 Acc SGD

Schroder Multi-Asset Revolution A Dis SGD

Schroder Singapore Fixed Income A Acc SGD

Schroder Singapore Trust A Dis SGD

United Global Quality Growth Fund C Acc SGD-H (CPF)

United SGD Fund Cl A Acc SGD

United Singapore Bond Fund A Acc SGD

abrdn Asian Smaller Companies SGD

abrdn European Sustainable Equity SGD

abrdn Global Emerging Markets SGD

abrdn India Opportunities SGD

abrdn Pacific Equity SGD

abrdn Singapore Equity SGD

Fund Name	Annualised Returns (%)	Min Price / Max Price	3 Year Annualised Volatility	Current Price	Action
CPF-OA Interest Rate	1.23%	1.7019 / 1.8087	0.23	1.8087

Min and Max NAV figures shown have been adjusted for income and/or dividends. Performance comparisons with indices are in Singapore dollar terms. The performance figures are calculated using bid-to-bid prices, with any income or dividends reinvested for unit trusts and in SGD.

Why should you start now? What about next year?

Power of Compounding

We’re sure you hear this a lot. But do you really know what it means?

It’s a snowballing effect where your earnings help you generate even more earnings. For example, if your investment return is 2% a year, this becomes:

1st Year

$1,000 + 2% = $1,020 (Earnings of $20)

2nd Year

$1,020 + 2% = $1,040.40 (Earnings of $20.40, $0.40 more than the previous year)

As such, this 2% isn’t stagnant, but continues to grow because of the compounding effect. The earlier you start, the greater this compounding effect will be.

INVEST FOR THE LONG TERM

Having a longer time horizon allows you to take on investments with higher risks while riding out the short term fluctuations and volatility. This typically provides you with higher returns as well, so long as you remain well diversified.

As a long-term investor, time is on your side.

ARE YOU ALL SET: TO MAKE THE MOST OF YOUR CPF