DBS Investment Options - CPF Investment Account

Product Benefits | Eligibility & Requirement | Fees
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The CPF Investment Scheme -Ordinary Account (CPFIS-OA) provides CPF members more options to invest their savings from their CPF Ordinary Account*.

* From 1 April 2008, only monies in excess of $20,000 in your Ordinary Account can be invested.

Product Benefits

Wide range of investment products

You can invest your CPF savings† in various investments to enjoy potential returns and achieve your retirement goals:

  • Fixed Deposits#
  • Singapore Government Bonds
  • Singapore Government Treasury Bills
  • Statutory Board Bonds
  • Bonds Guaranteed by Singapore Government
  • Annuities
  • Insurance Policies and Investment-Linked Products
  • Unit Trusts
  • Fund Management Accounts
  • Shares, Property Funds, Corporate Bonds and Exchange Traded Funds (ETFs) (capped at 35% of investible savings^)
  • Gold ETFs or other Gold Products (capped at 10% of investible savings^)

† The interest rate on balances in the CPF Investment Account which are not invested is currently 0.100% p.a..
# CPF Fixed Deposits are no longer offered at DBS Bank from 1 May 2007.
^ Investible savings refer to the total balances in CPF Ordinary Account plus monies already withdrawn for investments & education.

Comprehensive Statement of Account
Receive monthly statements which reflect the investments and total costs, as well as the estimated market value. You will also be kept posted of all rights announcements in advance.

Wide range of self-service banking facilities
If you are an existing iBanking, Phone Banking or ATM card holder you can perform the following transactions conveniently:

Investment Transaction DBS ATM iBanking Phone Banking
Check available balance for investments
Investment Account Portfolio    
Transfer funds from CPF/ASPF Investment Account to CPF/ASPF Ordinary Account  
Withdrawal of profit to DBS Autosave/Current/Savings/SavingsPlus/POSBSavings/POSB Current Accounts    
Purchase unit trusts managed by DBS Asset Management    
Electronic Security Application (ESA)  
ESA Results Enquiry  
Available stock and gold limit