Simplify your CPF investment journey

Power boost your CPF Ordinary Account savings over the long run
Start Investing

Simplify your CPF investment journey

Power boost your CPF Ordinary Account savings over the long run

Start Investing

Your CPF forms the foundation of your retirement income. The more you can accumulate, the more options you have to live the life you desire. Your CPF Ordinary Account (OA) savings earn a 2.5% p.a. risk free interest. If you have excess CPF OA monies, a long time horizon and the ability to stay invested, you may wish to invest in a low-cost, globally diversified portfolio to potentially double your balances in 20 years – fuss-free with adviser retrocession-free share classes co-created by MoneyOwl and without the hassle of waiting for trailer fee rebates. If you would like to capitalise on the global markets to grow your CPF savings, but do not have the time or expertise to sift through multiple options out there, MoneyOwl has created the solution just for you.

Invest your cash, SRS and CPF digitally all in one place

Now you can do so with your trusted financial adviser and have a comprehensive and holistic view of your entire investment portfolio.

No sales charge, platform fee or adviser trailer fees

We co-created the first 100% adviser retrocession–free CPF funds so you do not have to incur expensive or trailer fees that affect your return, wait for fee rebates to be credited or be subject to future changes in an adviser’s business strategy on trailer fees. As a promotional launch rate, pay 0% advisory fee in 2022!  

Simplified CPF portfolios designed to outperform 2.5% p.a. in the long run

Funds were selected using a stringent curation process in line with our investment philosophy which focuses on reliability of returns. Track the growth of the MSCI World Index which represents more than 1,500 securities in developed markets, and stabilise your portfolio with a global bond fund that has a long history of a good track record.

Holistic and honest advice about CPF investing

We love our CPF and how just harnessing its innate, risk-free interest it pays may already be the best solution for most Singaporeans. Therefore, MoneyOwl does not see CPF investing as being for everyone and our advisers will not hesitate to say so.

Before investing your CPF…

To beat the risk-free interest of 2.5% p.a., we recommend that you invest your CPF OA only if:

  • you have a long investment time horizon of at least 10 years
  • you have the ability and willingness to stay invested through mid-level fluctuations (in a portfolio with at least 60% equities, i.e., a balanced portfolio or a more aggressive asset allocation)
  • you have set aside CPF OA monies that you may potentially use for housing purchases, loan repayments or your children’s tertiary education
  • you have considered setting aside part of your CPF OA as an emergency mortgage payment buffer in case you lose your income
  • you have considered topping up your or your loved one’s Special Account
How It Works
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Fulfil the pre-requisites to invest your CPF

Set up a CPF Investment Account (CPFIA) with one of the three local agent banks and pass the Customer Knowledge Assessment (CKA), a regulatory requirement that is intended to help you understand the features and risks before investing into our CPF portfolios.
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Set up your MoneyOwl Account and MoneyOwl Investment Account

Use SingPass to set up your investment account within 10 minutes or simply log in if you already have an existing account. 

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Choose your CPF Portfolio

Your CPF portfolio will be assigned to you based on your ability and willingness to take risk.  
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What you will be investing in

There are three portfolios available for CPF investing based on your risk appetite. The portfolios have different strategic asset allocation across the equity and bond fund.
The table above shows the annualised historical returns of our CPF portfolios comprising of LionGlobal Infinity Global Stock Index Fund (Equities) and UOBAM United SGD Fund (Bonds). These rates are based on the 5, 7 and 10-year annualised return from January 2012 to December 2021. Actual investor performance has and will vary depending on the time of the initial investment, amount and frequency of contributions and intra-period allocation charges. Past performance is not indicative of future performance.
For planning purposes, we will be more conservative than the historical returns reflected above. We use the annualised rates of 4.81%, 5.03% and 5.19% for the Balanced, Growth and Equity portfolios respectively for projection of your invested funds in our robo. These rates are based on the 15-year rolling return from February 2004 to December 2021, adjusted for the impact of retrocessions.

Our CPF portfolios are made up of two funds which combine well to help you achieve the best probability of a successful investment experience. MoneyOwl may at our discretion. rebalance your portfolios about twice a year back to its original strategic asset allocation or whenever there are significant deviations.

LionGlobal Infinity Global Stock Index Fund Share Class C

Tracks the performance of the global stock markets through investment as a feeder fund in the Vanguard Global Stock Index Fund. The Vanguard Global Stock Index Fund employs a “passive management” – or indexing – investment strategy designed to track the performance of the MSCI World Free Index. It invests in all, or a representative sample, of the securities that make up the MSCI World Free Index, holding each stock in approximate proportion to its weighting in the MSCI World Free Index. The index represents more than 1,500 large and mid-sized company stocks in developed markets.

Download product highlights sheet here

Download prospectus here

Download fact sheet here

UOBAM United SGD Fund Share Class D

Invests substantially all its assets in global money market and short-term interest-bearing debt instruments with the objective of achieving a yield enhancement over the Singapore dollar deposits. As your CPF monies is already invested substantially in the Singapore government, MoneyOwl has chosen a low-risk, global investment grade bond fund instead, for diversification, with a long-term expected return at least similar to that of the CPF OA. The United SGD Fund has a long history of good track record in terms of return versus risk among its peers available for CPFIS.

These two funds’ CPF share classes were co-created by MoneyOwl and the fund managers. The United SGD Fund’s CPF share class is exclusive to MoneyOwl till the end of 2022.

Download product highlights sheet here

Download prospectus here

Download fact sheet here

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