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For OA, it is better to use our CPF for stocks than unit trusts for passive or active investors. Why? Bcos most stocks give dividends taht are higher than CPFs. The downside is if the stock price falls, the safety net is gone. For SA, it is better to use it to buy unit trusts. Why? Bcos unit trusts are deemed safe and returns are higher than the 4% if one chooses the correct trust.
The business-times article about using CPF money for investment in Fund and high costs of expense ratio.
Are there any views?
