As someone who likes the idea of having multiple streams of income, I view the CPF system as the “bond” component of my portfolio with a 30-year maturity date.
The CPF system is my insurance should I choose to venture into business or early retirement. Knowing that the CPF funds are protected from creditors and continue to compound till the withdrawal age of 55 gives me priceless peace of mind.
For 2018, I am pleased to say that the CPF board has paid me a total of SGD 2,710 in interest payments across all 3 accounts. If not for the deductions made for housing, the curve would have been steeper.