S1E267: To risk or not to risk your risk-free 4% CPF return?
From BT Money Hacks by The Business Times
May 3, 2026 · 22 min · Season 1 · Episode 267
About this episode
The episode discusses the implications of a new life-cycle portfolio scheme on the CPF Special Account's guaranteed returns.
Your CPF Special Account (SA) has been your financial security blanket for decades — a rock-solid 4 per cent return, no questions asked. But Singapore's about to shake things up. By 2028, a new life-cycle portfolio scheme changes the game. Is it a long-overdue upgrade or a risk not worth taking? Howie Lim finds out from Christopher Tan, CEO of Providend and Genevieve Cua, wealth editor of The Business Times. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:17 Leave SA out of the new scheme 05:23 Willingness to take risk is the key 07:48 Where CPF Investment Scheme (CPFIS) fits in 14:03 Who it is really for --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Genevieve Cua, wealth editor, The Business Times & Christopher Tan, CEO, Providend Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times , SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify…
People in this episode
Host: Howie Lim
Guests: Genevieve Cua, Christopher Tan
Topics covered
- CPF Special Account
- financial security
- risk management
- investment strategies
- life-cycle portfolio scheme
Keywords
- CPF
- 4% return
- financial tips
- risk
- investment
- life-cycle portfolio
- wealth management
Mentioned in this episode
Organizations: The Business Times, Providend
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- S1E269: The great yield shift: why banks are gaining altitude as Reits seek grounding · May 17, 2026 · 19 min
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