Stocks and bonds split
Enter your age and balances to get a stocks and bonds split, with CPF counted as bonds.
Hover or tap a bar to see that year.
Show the figures for every year
How this is worked out
- The starting rule. Your stocks share is 110 minus your age; the rest is bonds. That is 80% stocks at 30, 65% at 45 and 50% at 60.
- Why it falls with age. You take more risk while retirement is far away and less as it gets close. Your own comfort with large falls matters more than the rule.
- CPF acts like a government bond. Ordinary and Special Account balances do not fall in value and the interest is set.
- What that means. With CPF counted as the bond part, the money you invest yourself can often all be in stocks.
- CPF is locked until 55. If you need safe money sooner, also hold bonds, Savings Bonds or T-bills outside CPF.