Money and Me: CPF Special Account Closure, Retirement Planning, and Investment Strategies with Kenny Loh

18 February 2025

Money and Me: CPF Special Account Closure, Retirement Planning, and Investment Strategies with Kenny Loh

Has your CPF account closed already because you turned 55 this year? Join Michelle Martin as she dissects how to make your CPF work for you when you turn 55.

  • Should you keep your money in the 2.5% earning OA or move what you can to the RA for long-term 4%?
  • What are the pros and cons of investing with your OA after age 55 either through CPF or in the open market?
  • If liquidity of your CPF funds are your primary concern, what are your choices and what are the risks associated with each choice?
  • How can you use your monies to purchase T-bills, dividend stocks, and annuities?
  • What interest could you get with different asset classes based on today’s market.

Join Michelle and her guest Kenny Loh, Independent Financial Advisor to understand what happens when you turn 55 with your CPF and discover strategies and options to turning your hard earned CPF monies into income for the long-term.

Plus, get smart insights into tax considerations, liquidity needs, and long-term retirement planning strategies.

 

 
 

Key Highlights

  • [00:00:00] Introduction: Host: Michelle Martin, Guest: Kenny Loh, Independent Financial Advisor

  • [00:01:30] CPF Special Account Closure: What happens when you turn 55 and your CPF Special Account closes, Options to move money to the Retirement Account

  • [00:04:20] CPF Interest Rates Recap

  • [00:05:40] Investment Strategies Post-55: Strategies for investing with your CPF Ordinary Account, Pros and cons of different approaches

  • [00:07:05] CPFIS: T-Bills, Dividend Stocks, and Annuities: How to use your CPF monies to purchase these assets, Expected returns and associated risks

  • [00:11:50] Other considerations and Liquidity Needs: Smart insights into tax planning, Liquidity needs in retirement

  • [00:16:50] Tax considerations for transferring sums

  • [00:18:10] Long-term Retirement Planning: Strategies for long-term income, Importance of staying informed about market trends

Note: The above analysis are my own personal views and are NOT buy or sell recommendations. Investors who would like to leverage my extensive research and years of Singapore REIT investing experience can approach me separately for a REIT Portfolio Consultation.

 

Listen to his previous market outlook interviews here:

2025

2024

2023

2022

2021

2020

Kenny Loh is an Associate Wealth Advisory Director and REITs Specialist of Singapore’s top Independent Financial Advisor. He helps clients construct diversified portfolios consisting of different asset classes from REITs, Equities, Bonds, ETFs, Unit Trusts, Private Equity, Alternative Investments, Digital Assets and Fixed Maturity Funds to achieve an optimal risk adjusted return. Kenny is also a CERTIFIED FINANCIAL PLANNER, SGX Academy REIT Trainer, Certified IBF Trainer of Associate REIT Investment Advisor (ARIA) and also invited speaker of REITs Symposium and Invest Fair.  

You can join my Telegram channel #REITirement – SREIT Singapore REIT Market Update and Retirement related news. https://t.me/REITirement

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