my simple cpf plan

ma - max out, use when possible, top up when possible

sa - i want to all in us stocks, but sa investments are all shit, so do nothing

oa - every year all-in excess over 20k into us stocks

use cpf for housing? no

why? i pay full cash

 

i moved my oa funds to endowus in 2023

since then already up 6 digits there

 

i was going to say

my end game is to have the max ers (currently 456k)

but

i actually already hit the max ers lol

at 55, all the cpf excess, i will withdraw and switch to cash investing

at 65, i will opt for cpf life escalating and begin payouts

because i plan to outlive all of you

between now and then

every year ill top up for tax relief (until i hit my cap)

every year i invest oa balances to all in stocks

side note for srs

i will also max out every year

and i will also all in us stocks

mentally self limiting your own srs to 400k to avoid paying any taxes is disgusting

paying the first few tiers of income tax is peanuts

im 100% confident my srs balance at withdrawal age will be over 1m