Higher CPF Returns Are Coming! Yay!

Higher CPF Returns are Coming!

Singapore is quietly on the verge of its most important CPF upgrade in a generation.

In this episode, we deep-dive into the Lifetime Retirement Investment Scheme (LRIS) — first proposed in 2016 and now in its final stages — and unpack how the Government actually thinks about retirement investing.

This is not about chasing returns.
This is about engineering a system that balances growth, safety, and longevity — without exposing everyday Singaporeans to catastrophic mistakes.

We break down:

Why CPF must evolve beyond guaranteed interest

The policy philosophy behind LRIS and why it took nearly a decade

Why simplicity, low cost, and glide-path investing matter more than stock picking

How Malaysia’s EPF delivers consistent 5–6% long-term returns

How Hong Kong’s MPF Default Investment Strategy (DIS) achieved ~6.9% annualised returns since 2017 — beating inflation decisively

Why LRIS is a Singapore-calibrated hybrid, not a copy of overseas systems

This is institutional investing for ordinary citizens — boring by design, powerful by outcome.

If you care about:
✔ CPF
✔ Retirement adequacy
✔ Inflation protection
✔ Long-term compounding
✔ Avoiding irreversible mistakes

…this conversation matters.

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