CPF-OA Playbook 2025: Five Battle-Tested Singapore Stocks for Bullet-Proof Growth and Income

If you leave cash parked in your CPF Ordinary Account you earn a safe but meagre 2.5 per cent. Over twenty years that turns 100,000 dollars into about 165,000 after inflation...

Why Active CPF-OA Management Matters

Leaving your CPF Ordinary Account funds at the default 2.5 percent interest rate may feel safe, but it does not keep up with inflation. Over time, this erodes your purchasing power. The CPF Investment Scheme (CPF-IS) allows you to invest up to 35 percent of your OA in mainboard-listed stocks and up to 10 percent in REITs. With smart stock selection, you can achieve higher yields and better long-term growth, all while staying within CPF’s risk limits.

The Top 5 CPF-IS Stock Picks for July/August 2025

Table 1: High-Conviction CPF-IS Picks (as of July 8, 2025)

In-Depth Analysis of Each Stock