🦎 Elite Tools #1: CPF Penalty-Yield Arbitrage

See If REIT Dividends Beat Your CPF Penalty Costs—Simple Calculator for HDB Owners

The CPF Challenge Many Face

You have $50,000 in your CPF Ordinary Account (OA), earning a steady 2.5% interest. But your HDB loan balance is $200,000. You think about using CPF to pay it down faster.

The catch: CPF charges a 4% penalty on withdrawn funds, meaning lost interest. Your REIT must deliver over 6.5% dividend per unit (DPU) to make it worthwhile. Most people don’t do the math.

See the app in action:

(Members: Unlock tool and guide below)