8.8% on my SA

Sponsored by

Arigato, dear investor,

Yesterday night, I randomly logged into my CPF investment account to check on my SA portfolio…

And honestly… I was shocked.

Last year September, I decided to start investing part of my SA.

Not all.
Just around $13,000.

And yesterday, after calculating the numbers carefully…

my SA portfolio was already up around 8.8%.

That means I’ve made about $1,150+ profits using my SA money alone.

And the craziest part?

This happened in less than 9 months!

I remember when I first shared about SA investing last year, many people told me:

“But Chloe… isn’t SA supposed to be untouchable?”
“4% guaranteed is already very good right?”
“What if investing becomes risky?”

And honestly… I understand why people feel that way.

Because for many Singaporeans, SA feels very “locked away” and sacred.

But one thing I realised over the years is this:

Just because something is safe…
doesn’t always mean it’s the best long-term option.

Especially if your retirement horizon is still 10, 20, or even 30 years away.

Last year during my SA investing workshop, I shared that if you understand what to invest in carefully using SA…

there’s actually a good chance to outperform the standard 4% over the long run.

And wow… seeing my own SA portfolio almost double that return really made me realise how powerful this can become over time.

And because so many of you missed the workshop last year…

I’ve decided to conduct the SA Investing Masterclass 2026 Edition one more time.

Probably the only time I’ll do this again this year.

Inside the workshop, I’ll be sharing:

✅ How SA investing actually works in Singapore
✅ The kinds of investment products available for SA
✅ My personal thought process behind SA investing
✅ Common mistakes people make with CPF-SA investing
✅ How I personally think about growing retirement funds safely over the long run
✅ The latest CPF changes and updates that may impact Singaporeans

So if you want to learn how to potentially grow your SA beyond the standard 4% in a more systematic and long-term way…

I’d love to see you there ❤️

Seats are capped at 300 only, and once it’s full, registration will close.
Register now before all spots are gone: https://us06web.zoom.us/meeting/register/ToC9Eqx0TRSKYXYApgYIUw

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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. 💛