CPF monies are allocated into 3 sections - Ordinary account (where you can use the money for properties, study loan etc), Special account (for retirement) and Medisave account (for hospitalisation expenses and medical insurance) Refer here for the allocation rate Current interest rate: OA 2.50%, SA & MA 4%, Retirement account 4% See rates You can only invest if you have more than $20,000 in your Ordinary Account or more than $40,000 in your Special Account *Note that the first $60,000 in your combined CPF account earns an extra 1% interest Instruments that you can invest in are: bonds, treasury bills, annuities, fixed deposits, endowment policies, equities, unit trusts, investment-linked insurance and ETF. CPFIS-OA and CPFIS-SA instruments are different, read more Charges are applicable for the various instruments you invest in. Read more . For more details, please refer to the CPF website under my links section. *** Before you make any investment or fixed deposit arrangement, weig...