Your CPF Special Account (SA) has been your financial security blanket for decades — a rock-solid 4 per cent return, no questions asked. But Singapore's about to shake things up. By 2028, a new life-cycle portfolio scheme changes the game. Is it a long-overdue upgrade or a risk not worth taking? Howie Lim finds out from Christopher Tan, CEO of Providend and Genevieve Cua, wealth editor of The Business Times.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

02:17 Leave SA out of the new scheme

05:23 Willingness to take risk is the key

07:48 Where CPF Investment Scheme (CPFIS) fits in

14:03 Who it is really for

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Genevieve Cua, wealth editor, The Business Times & Christopher Tan, CEO, Providend

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

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S1E267: To risk or not to risk your risk-free 4% CPF return?

BT Money Hacks

S1E267: To risk or not to risk your risk-free 4% CPF return?