CPF savings in the Special, MediSave and Retirement Accounts will continue to enjoy a 4% interest rate floor until the end of 2027. But what does that mean for the money you have outside CPF?

Michelle Martin speaks with Elijah Lee, Senior Financial Services Manager at Phillip Securities, about how investors should weigh CPF’s relatively attractive returns against liquidity and the potential for higher investment returns elsewhere.

They discuss whether CPF should be viewed as part of your overall portfolio, whether having a secure CPF base gives you room to take more risk outside it, and why comparing CPF’s 4% directly with REIT, dividend-stock or bond yields can be misleading.

Plus, when might investing your CPF savings make sense, how should the equation change as you approach 55, and who should think twice before locking more money away in CPF?

CPF savings in the Special, MediSave and Retirement Accounts will continue to enjoy a 4% interest rate floor until the end of 2027. But what does that mean for the money you have outside CPF?
Michelle Martin speaks with Elijah Lee, Senior Financial Services Manager at Phillip&nbsp;Securities,&nbsp;about how investors should weigh CPF&rsquo;s relatively attractive returns against liquidity and the potential for higher investment returns elsewhere.
They discuss whether CPF should be viewed as part of your overall portfolio, whether having a secure CPF base gives you room to take more risk outside it, and why comparing CPF&rsquo;s 4% directly with REIT, dividend-stock or bond yields can be misleading.
Plus, when might investing your CPF savings make sense, how should the equation change as you approach 55, and who should think twice before locking more money away in CPF?

Start your day on a positive note with Live Well with Michelle Martin.

Start your day on a positive note with Live Well with Michelle Martin.

The show explores wellbeing in all its dimensions — from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas — from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.

In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint — with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Start your day on a positive note with Live Well with Michelle Martin.
The show explores wellbeing in all its dimensions &mdash; from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas &mdash; from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.
In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint &mdash; with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.