How To Create Cpf Investment Account

What is a CPF Investment Account (CPFIA)?

CPFIA is a channel for investing your CPF savings⁺. Investing your CPF money allows you to reap greater potential gains, enriching your savings for a comfortable retirement.

At a Glance

Invest without cash and maximise the growth of your CPF funds
Flexibility and control over where to invest your CPF savings
Easy and convenient management of your investment transactions and portfolio

Investing with your CPFIA

You can start investing if you have at least S$20,000 in your CPF Ordinary Account (OA).

Below is an illustration on how you can maximise returns on your CPF savings through investing.

Mr Lim is below 55 years old and has S$60,000 in his CPF Ordinary Account (OA).

* The above table is for illustration purposes only

What you can invest in

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

New to investing? Check out this page for useful articles on getting started.

Multiply your savings with DBS Multiplier Account

You can now earn higher interest rates of up to 3.00% p.a. when you invest through DBS/POSB with your CPF Investment Account. Dividends count too!

Find out more here.

Start investing your CPF with DBS

Investing with CPF-OA funds is easy. Do it at your convenience online with digibank or link your CPFIA to your DBS Vickers Account.

Are you a digibank user?

Go to "Invest" to get started.

Have a DBS Vickers Account?

Choose CPF as your settlement mode.

Easy management of your investments

Get quick access to information on your portfolio
Stay in the know with monthly reports on how your investments are performing, including total costs, estimated market value, and advance notice of all rights announcements
Track and manage your investments easily via mobile, online banking, and ATM:

Who is Eligible

You are a CPF member
Age 18 and above
You are not an undischarged bankrupt
You have more than S$20,000 in your CPF Ordinary Account^#
You do not have an existing CPF Investment Account with another bank

See the Schedule of charges

Get started with CPFIA

Here's how to open a CPF Investment Account and start investing without cash.

Online

Skip the trip to the bank and apply for your CPFIA the hassle-free way with the new DBS digibot.

At our branches

Prefer face-to-face service? Visit our branches with the following documents:

Print-out of Self-Awareness Questionnaire (SAQ)* status
Completed account opening form
NRIC (Singaporeans & PR) or Passport and EP/WP (Foreigners)

Need to know more?

*What is the CPFIS Self-Awareness Questionnaire (SAQ)?

You must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools > Assessment Tools > Take the CPFIS Self-Awareness Questionnaire (SAQ).

Can I invest with you if my CPF Investment Account is with another bank?

Yes, you can speak to us on how you can maximise your CPF-OA funds.

How can I check my CPFIA's Investment?

Can I have multiple CPF Investment Accounts?

You can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer.

How do I transfer my CPF Investment Account from another bank to DBS?

You can visit any of our branches to complete and sign the following forms:

CPFIS-Inter-Bank Transfer Form
CPFIA Account Opening Form

How much CPF-OA savings I can invest?

You can invest your CPF-OA savings after setting aside S$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the CPF website for more details.

Where can I find out more information on my shares corporate action event for my CPF Investment Account?

Information on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information.

My shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account?

The 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information.

How can I withdraw my CPF Investment upon reaching 55 years old?

You can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA).
Please submit your application to CPF Board either through online or by mail. The agent bank/product providers will contact you on the transfer of your investments to you.

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