Simplify your CPF investment journey
Simplify your CPF investment journey
Power boost your CPF Ordinary Account savings over the long run
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
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
Holistic and honest advice about CPF investing
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
Fulfil the pre-requisites to invest your CPF
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.
Choose your CPF Portfolio
What you will be investing in
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.
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
UOBAM United SGD Fund Share Class D
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.
You might also be interested in:
It’s been a gloomy week with dropping equity prices, surging inflation rates and continued Covid restrictions.
Wondering if you should invest your CPF OA? Read on to find out what are some need-to-know facts before you commit to investments.
In this week’s market updates, there is unease on investors’ minds as the Fed tightens their monetary policy and the COVID crisis continues in China.
Do men and women require a different approach when it comes to financial planning? MoneyOwl’s CEO and CIO weighs in.
In this week’s market insights, we noted that inflation hit a decade high in Singapore. Also in China, Covid-19 has worsened, speculating fears of a potential lockdown in the Capital. In addition, Russia cuts off gas supplies, causing a standoff between Moscow and European energy supplies.