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Access a wide range of investment products
Use eligible Ordinary Account and Special Account savings to invest in products included under CPFIS.
Invest
UBGROUPSG CPF Investment Account
Invest your CPF savings to potentially grow your retirement funds. Eligible deposits are insured up to S$100,000 by SDIC.At a GlanceBenefitsHow to Apply
At a glance
Do more with your CPF savings
With the UBGROUPSG CPF Investment Account, you can invest your Ordinary Account and Special Account savings in a wide range of products to potentially grow your retirement nest egg.
The account acts as an agent-bank account for eligible investments made under the CPF Investment Scheme.
Benefits
More visibility and investment choice
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Get a holistic view of your investments
View, save and print a consolidated monthly statement whenever it is convenient.
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Earn daily interest
Receive daily interest on eligible uninvested cash balances in your UBGROUPSG CPF Investment Account.
CPF Investment Scheme
Investment products included under CPFIS
The availability of each product depends on whether you invest through CPFIS-OA or CPFIS-SA.
Investment productCPFIS-OACPFIS-SA
Unit Trusts — excluding higher-risk unit trustsYesYes
Singapore Government BondsYesYes
Treasury BillsYesYes
SharesYes*No
Corporate BondsYes*No
Gold ETFsYes**No
Gold certificates, savings accounts and physical goldYes**No
* Up to 35% of investible CPF savings may be invested in shares and corporate bonds.
** Up to 10% of investible CPF savings may be invested in eligible gold products.
The first S$20,000 in the Ordinary Account and first S$40,000 in the Special Account cannot be invested under CPFIS.
Investing your CPF funds
Products available through your CPFIS Account
Singapore Government Securities
Debt instruments that can help diversify a portfolio, reduce volatility and provide regular income.
Unit Trusts
Professionally managed funds designed for a range of investment needs, objectives and risk preferences.
Structured Deposits
Products offered in tranches with a guaranteed minimum interest amount and principal if held to maturity, subject to applicable terms.
How to apply
Eligibility and requirements
You must:
- Be a CPF member
- Be at least 18 years old
- Not be an undischarged bankrupt
- Not have an existing CPF Investment Account with another bank
- Have more than S$20,000 in your CPF Ordinary Account and/or more than S$40,000 in your CPF Special Account
Before investing
New CPFIS investors must complete the CPFIS Self-Awareness Questionnaire. It introduces investment concepts, CPFIS products and charges and helps you assess whether CPFIS is suitable for you.
Product providers may ask you to declare or verify your questionnaire status.
Ready to apply?
Open a UBGROUPSG CPFIS Account through MyInfo, or approach a banker at a UBGROUPSG branch for assistance.
Frequently asked questions
About CPFIS
Who can invest under CPFIS?
CPF members who are at least 18, are not undischarged bankrupts and hold more than the required set-aside amounts in their OA or SA may invest, subject to CPF Board requirements.
How much of my CPF savings can I invest?
You can invest the eligible balance after setting aside S$20,000 in your Ordinary Account or S$40,000 in your Special Account. Product-specific limits also apply.
What is the CPFIS Self-Awareness Questionnaire?
The questionnaire is required for new CPFIS investors. It contains learning modules on investment concepts, products and charges and helps members consider whether CPFIS is appropriate.
How do I buy or sell investments?
Approach an eligible service or product provider to transact in products available under the CPF Investment Scheme.
Online account opening
How will I know my application was submitted?
A successfully submitted online application receives an application ID, which is also sent by email. Keep it for any status enquiry.
How long does processing take?
Online CPFIS account applications typically take around 10 working days to process.
How will I be notified?
An email is generally sent after account opening. The account number is mailed to the UBGROUPSG-registered address for security and may also be viewed through eligible CPF or UBGROUPSG digital services.
Can foreigners apply online?
Foreign applicants cannot use the online MyInfo flow when it cannot provide all required verified information. Branch assistance may be required.
Things you should know
This page provides general information and does not take account of any person's investment objectives, financial situation or needs. It is not an offer, recommendation or advice to buy or sell an investment product. CPFIS investments involve risk and may perform below CPF account interest rates. Product descriptions remain subject to their terms, prospectuses and constituting documents. Consider suitability and obtain professional advice where appropriate.
Eligible Singapore-dollar deposits are insured by the Singapore Deposit Insurance Corporation up to the applicable aggregate limit. Investment products are not deposits and are not insured under the Deposit Insurance Scheme.