Loo Cheng Chuan

Founder, 1M655 Movement and Endowus client

Being invested makes a big difference to your CPF money.

Move the sliders to see how your wealth can grow overtime.

Why invest your CPF with us

Annualised returns of up to 12% p.a*

Your CPF OA investible balance is earning 2.5% guaranteed by the Singapore government. Grow your CPF by being invested for the long-term, with expected annualised returns of 3% to 12% p.a* (depending on your risk appetite).

With Endowus, you can invest your CPF OA in passive low cost funds that track the S&P 500 Index and MSCI World Index.

Expert CPF investing with proven track record

We’ll help you to decide your risk profile and CPF investment strategy, then create an intelligent, low cost, globally diversified portfolio designed to meet your goals.

View the performance of Endowus Flagship CPF portfolios.

Low fees, with no hidden charges

No sales charges. No set-up fees. No transaction fees. 100% Cashback on trailer fees

*Not guaranteed. Projected returns calculated based on Endowus Flagship CPF Portfolio 10Y historical performance up to December 2021.

Want to know more about CPF investing?

How do I start investing my CPF savings with Endowus?

Endowus offers advised portfolios that you may use your CPF Ordinary Account (OA) to invest in. As the first CPF digital advisor, investing your CPF with Endowus can be done entirely online by linking your Endowus account with your CPF Investment Account.

Here are the steps in detail:

Create a CPF Investment Account (CPFIA) with any of the 3 local agent banks (DBS, OCBC, and UOB).

Pass the Customer Knowledge Assessment (CKA), a regulatory requirement that ascertain a potential investor's financial knowledge before investing in our CPF

Create your Endowus investment account using your SingPass, or simply log in if you have an existing account.

Choose your CPFIS portfolio based on your risk appetite.

How much CPF OA monies can I invest?

You can invest all of your CPF Ordinary Account balance above the maintenance balance of S$20,000. For example, if you have $50,000 in your CPF OA, you may use up to $30,000 of this for investing via the Endowus platform. To find out how much of your CPF OA savings you can invest, please log in to myCPF Online Service or visit the CPF website for more details.

Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing my CPF through Endowus?

As with all investing, there are no guarantees and you must be comfortable taking some risks. This is in contrast with the interest guarantee provided by the Singapore Government for money left in your CPF accounts. If capital preservation is your primary concern, you may wish to consider leaving your CPF monies uninvested.


Endowus aims to help you invest with the highest probability of success. Historical data shows that over the long-term, investing in a broad market exposure portfolio is more likely to show positive returns. While there are no guarantees in investing, we believe in the power of markets and long-term investing to deliver a better outcome than the 2.5% p.a. CPF-OA interest.

Who can invest under CPFIS?

You can invest under CPFIS if you are:

1. A CPF memberAged 18 and above

2. Not an undischarged bankrupt

3. Holding more than S$20,000 in your CPF Ordinary Account

4. Not holding an existing CPF Investment Account with another bank

View more FAQs

Let’s talk about your money.