Guide to Understanding What Insurance Solutions Can Help Beat CPF-OA Returns

With the announcement of closure of the CPF-SA in the 2024 Budget, the onus is now on people aged 55 and above, to work their CPF funds for better yields.  No longer is the option of parking money in CPF-SA at 4% or more, available.

Many who have turned aged 55, long to keep money in CPF-SA to help towards a safe and secure retirement, with the intent of drawing on the interest and maybe some capital every year, as a pseudo form of income. I am including here, a list of insurance solutions with come with guarantee, income payout, and with total returns that are better than the 2.5% CPF-OA interest.

These solutions can also be tailored to individual needs and are hence, flexible. One can structure the solution based on differing payout (yield only or yield plus principal), accumulation (the longer the wait, the better the yield), and period of payout (the longer the payout period, the higher the yield). These solutions hence, offer a structured way for someone to enjoy a fuss-free retirement, tailored to the individual financial circumstances, and with yields that can better CPF-OA.

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