1% = $50k MORE

In partnership with

Arigato, dear investor,

🎉 Over 400 people showed up live for the CPF SA Investing Masterclass —— 😮

If you managed to get into the room, congratulations 🎊
It shows you’re truly serious about planning for your retirement — and you’re already one step ahead of many others who are still unaware of the key CPF insights and strategies I shared.

If you missed the session — either because you couldn’t get into the room or weren’t able to make it, I completely understand.

That’s why I created this summary guide for you — so you don’t miss out on what could be a 6-figure difference in your retirement outcome.

✅ The good news: You’ll still earn 4%

If you choose to leave your CPF SA alone, you’ll still enjoy a guaranteed 4% per year — a safe return that protects you against inflation.

💡 But can you beat that 4%?

Given a long time frame, this is highly doable — and that’s where things get interesting.

I found 2 investment vehicles with a track record of delivering around 5% over the last 10+ years.

While the difference may look small, this extra 1% compounded over 20 years can grow into an extra $20,000–$50,000 in your SA account.

🧠 My personal CPF strategy

Here’s how I’m approaching my own CPF planning:

• I’m investing 50% of my SA on my own

• And keeping the other 50% in CPF SA to earn the 4% fixed return

This gives me a good balance of stability and potential growth.

If your timeline is shorter, or your objectives are different, I highly recommend getting a tailored plan. That’s why I invited my good friend Selina from iFAST to support our community.

She’s offering a complimentary 1-1 consultation to help you make sense of your CPF and plan confidently for your future.

📆 What happens after age 55?

When you turn 55, your CPF SA will be closed and the funds will be transferred into:

• RA (Retirement Account) earning 4%

• and possibly back into OA (Ordinary Account) earning 2.5%

From there, the RA continues compounding until age 65, when CPF LIFE annuity payouts begin.

Here’s a quick breakdown of CPF Retirement Sums:

• Basic Retirement Sum (BRS): $106,500

• Full Retirement Sum (FRS): $213,000

• Enhanced Retirement Sum (ERS): $426,000 (maximum top-up)

⚠️ The dark secret of CPF LIFE

This is the part very few people talk about…

Although the ERS payout seems attractive as it’s over $4000 per month, the interest earned after age 65 doesn’t go to you or your family — it goes into a shared pool to support lifelong payouts for all Singaporeans.

If you live past 80, your CPF funds will be fully used up. So while CPF LIFE provides certainty, it also means you’ll have no money left behind to your family from your CPF if you outlive your retirement sum.

🚫 That’s why I won’t top up to ERS

Because I’ve experienced 15~20% returns per year through options investing, I prefer not to lock in more funds at 4% just to have them eventually depleted.

Instead, I choose to withdraw my CPF as cash and invest it myself — using a simple strategy that has helped me build a million-dollar portfolio over time.

If you want to learn how I use options to grow my portfolio safely and consistently, feel free to join my upcoming free 2-hour Options to Freedom Masterclass.

👣 Choose your path intentionally

My way may not be for everyone — and that’s okay.

Each of us has different goals, risk tolerance, and timelines. What matters is that you understand your options and take action based on what aligns with you.

And if you prefer a hands-on, guided experience, Selina from iFAST is here for you:

👉 Book your free CPF planning call with Selina

Would love to have you join us,
and keep learning together—the Arigato way 💛

Meanwhile, check out this 👇️ 

Try inFlow Free—$499 Off for a Limited Time

Get started for free and see how simple inventory management can be.

inFlow helps you stay on top of inventory, track costs with precision, and protect your bottom line.

You’ll always know how much you’re spending, what you’re making, and where you can save.

It also simplifies inventory, orders, shipping, and barcode scanning in one easy-to-use system—rated “easy to use” by 93% of users.

Rated 4.6 stars across 500+ reviews on Capterra and named a top pick in multiple competitive comparisons

inFlow connects with Shopify, Amazon, QuickBooks, UPS, and 90+ other tools, so everything works together without the manual work.

Try it free and, for a limited time, save $499 when you upgrade with code EASY499.

An inFlow specialist can show you how to simplify inventory from day one

✅ See how others are navigating change in our case studies
🚀 Compare plans on our pricing page

Save $499—Start Free

Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛