 So what does that mean as if you invested $50,000 five years back, today your $50,000 would have already become $100,000 inside your CPF. Which is way better than your unit trust of course. Do you want your CPF to work harder for you so that you can get your dream home within the shortest time possible? Do you want to double your investment portfolio and generate 100% return for your CPF in the next 5 years? Do you want to grow your CPF safely and consistently regardless of the market direction? If yes, then keep on watching. Hey everyone, this is Chloe or Kylie and welcome back to my channel. The only one place for you to learn about stocks, investing as well as options. If it's the first time that you come into my channel, remember to hit that subscribe and like button and hit that notification bell so that you will not miss out my future investment sharing. And early comes up is also appreciated because it will tell YouTube algorithm that you find this video helpful and it will push out to more people to inspire them to start investing safely. Today I decide to dedicate this video particularly to people living in Singapore as we all have some of our money locked up with the government in the form of CPF. But don't go away even though you are not living in Singapore because the content that I'll be sharing with you will be very very useful and it's regardless which country are you currently living in. With this simple strategy, you can generate 15 to sometimes even 20% return year on year as long as you stop taking action. But before that, I just want to say that whatever I'm going to share is not an investment advice. You should make sure you do your due diligence before making any investment decision. What I'm going to share is basically my own personal experience as well as what I'm going to do with my own personal portfolio so that it can really give you some insight into what you can do as well for your CPF investment. Now when it comes to CPF, most people living in Singapore tend to just live it with the government as it can give them a guaranteed 2.5% return. Although 2.5% guaranteed return is better than putting your money in a bank, it will not be sufficient given the rising cost of medical expenses as well as the rising cost of living as well. So if you want to make sure that you start growing your CPF and get your dream home within the shortest time possible, you gotta start investing. In fact, I have some friends that half of their house mortgage is basically paid off by their investment through CPF and that's why this is something that's very very doable for you as well. To invest your CPF, there are certain prerequisites that you need to fulfill. Firstly, you must have $20,000 in your OWL account and secondly, you must be 18 years old and you should not be discharged of bankruptcy before. Once you fulfill that, you can start investing your CPF and here are my recommended ways to do so. The first way is to invest in Singapore listed companies such as the Logo Banks, including your UOB, OCBC or DBS. It's very important to note that when it comes to investing in individual companies, you really want to make sure you understand this company by studying its finances and I personally invested in all 3 banks as well because last year during COVID-19, when the stock market crashed, it really gave me a very very good entry point to buy all these banks. In fact, ever since then, UOB as well as OCBC has increased more than 30% and for DBS, it actually has increased to more than 50%. The reason why I decided to invest in local banks last year was because firstly, these 3 companies are very very stable companies and secondly, they have actually dropped to a price that is so attractive, giving me more than 5% in terms of dividend yield. Although the bank prices have climbed up quite significantly as compared to last year, they are still giving about 3% in terms of dividend yield even at the current price which is not too bad. So if your CPF investment objective is to collect dividends, investing in Logo Banks can be a good option for you. However, if your objective is to grow your CPF much quickly, then here comes my second option. In fact, this is my preferred way of investing my CPF as well. That is, none other than investing in the US index, S&P 500 which can give you a very very safe 10-13% return year on year. If you see how S&P 500 has performed over the years, regardless how many financial crises we have encountered or how many pandemics we had before, the market just kept on going up and up due to inflation as well as economic development. In fact, just for the past 5 years, the S&P 500 has actually gone up more than 100% giving you a very decent annualized return of more than 15% year on year. So what does that mean as if you invested $50,000 5 years back Today, your $50,000 would have already become $100,000 inside your CPF. Which is way better than your unique trust of course. So the question is, how do we invest in S&P 500 using our CPF? The truth is, you can't. You must be wondering, Chloe, are you kidding me? Why are you telling me something that I can't invest in the first place? Chill guys, chill. Investing is all about being chill and make money peacefully because I haven't completed my sentence yet. You can't exactly buy S&P 500 ETF directly using your CPF because the government just doesn't allow it. However, you can invest in unique trust that basically buys into funds that tracks the S&P 500 index. Wait, before you show me and talk about Chloe, why are you telling us to invest in unique trust that charges expenses fees again and again? Chill guys, chill. Most people invest in unique trust and the reason why they don't make money in fact some of them even lose money after years is because indeed, unique trust that you buy from your banks or your insurance, they tend to charge you a lot of fees. Sorry bankers or insurance agents, if you are watching right now, I am telling the truth. So it actually really frustrates me when people just keep on buying unique trust or investment link plans without even bothering to invest on their own which they can do so much better. But guys, this unique trust that I am going to share with you right now is not the typical unique trust that you know of because this fund charges very very minimal fees. The fund is called Infinity US 500 Stop Index Fund and you can see that the expense ratio which is the management fee is only 0.7% which is way lower than most of the unique trust recommended by your bankers or insurance agents. Besides, when you are investing into this fund, what the fund manager does is basically just buy into the current S&P 500 holdings and that's why you can see that in terms of the holding, both of them are very very similar in nature and because the fund manager doesn't need to do much to be creative to give you a higher return and that's why they charge you very very minimal fee because they just need to track the index and obviously there's also no better way to invest your CPF than to buy into an index that has a long track record of growth. So how exactly can we buy into this Infinity 500 using our CPF? Simple. All you need to do is to buy True and Taoist which is a fintech platform that allows you to invest your CPF money as or as cash in fact as of January 2020 and Taoist is the only platform in Singapore that allows you to actually use your CPF money to buy into Infinity 500 fund and on top of that it actually can help me to buy into this fund automatically every single month so that it can do dollar cost averaging without worrying too much about how the market is going up or down because if you are not good, you cannot time the market and that's why why bother timing the market? Just keep on buying every single month to compound your wealth and later on I'm going to share with you how can you actually set up automatically for yourself just like how I do for my CPF investment portfolio. Before I navigate through the and Taoist platform with you, I just want to say that I do not invest my cash True and Taoist because I know I can definitely make better use of my cash using options which is a very powerful vehicle that I have been personally using for years to compound my return way better. So if you want to learn about my secret option strategy which is called Kuditaiji, a very unique Japanese technique that can help you to compound your $50000 into a million dollar in about 10 years time then make sure you check out the video over here. So now I am going into the end our platform so that you can see how you can set up step by step and start investing your CPF. Before that definitely you do need to open an end ours account so all you need to do is go down to the link below okay to open your account and you actually will get a $20 free credit when you actually invest your first $1000 so all you need to do is to create an account if you haven't and just click this create account and you just log in create using your email address and everything so I personally have already created so I'm just going to log in right now. So as you can see immediately what is my portfolio return because I only started investing my CPF True and Taoist just last month and that's why right now you can see there's certain losses about 3% but I really don't care so much because once again when I talk about this dollar cost averaging it's about long term and long term the US economy is going to grow further as well do you agree and that is why you don't have to be afraid of short term volatility. In fact right now with the reason pullback I actually want to fund my account even more I really just want to make sure I captivate the current great opportunity that the market is giving me so today in fact I want to transact another $15,000 of my CPF and invest True and Taoist to the Infinity 500 so how can you do that if it's the first time of you logging in make sure you just click over here under invest all right and right now what I can do is under invest make a one time or recurring investment I'm just going to click it so what I need to do is I click add new goal right and very importantly over here instead of a selected advice portfolio which this is something that I don't suggest you to do you just really just build your own fund through the US of infinity 500 so what I can do right now okay over here I will just choose this choose this under fund smart all right and you can you can see that you can use CPFOA as well as well as SRS if you have all right so I'm just going to choose CPFOA and you can see fund smart 2 and I will just rename it fund smart SP 500 so that you will understand that I am investing in infinity 500 all right so what I can do is it's a mid to long term kind of investing and I'm selecting CPFOA all right so you can talk about your risk loss tolerance should be quite high all right because actually the risk is very low but you just make sure that you write it high so that they are willing to let you invest so right now you just scroll down a little bit can you see that over here there's lion global infinity us 500 stock index okay all you need to do is to click this you check this all right and then you confirm by SMS all right so what is our fund selection you want to make sure you find this 500 you just click in 500 here just click infinity us 500 and 100% because our 100% of my portfolio of our investment portfolio in CPF I will use this to invest 100% into this fund that's what it means all right so after that what is my investment amount actually right now I want to invest another $15,000 because I really just want to make sure I use I use this chance to invest more average is about 8.29% with annual fees 0.7% really cheap as compared to investing in any other funds or ETF and and long term you are going to make money in my very safe manner all right so and roughly you can see what is your return is going to be like if you just continue to do dollar cost averaging like I mentioned earlier and now you can see the top 10 holdings all right which is similar to S&P 500 because basically this fund just tracks the index which is exactly what I want I don't want this fund to be too creative and invest in something that I don't have confidence in and in fact this is the top 500 companies in the US very stable and they are going to continue to grow all right and that's how you can see Apple, Microsoft, Amazon, Tesla, it's all inside Google it's inside which is I'm happy right you can even see sector allocation 24% it's in technology and then financial services including your banks like JP Morgan, Bank of America is about 13 to 14% there's healthcare as well so you can see that it's a very diversified portfolio so this is what I really like about investing our CPF in a very safe manner and as you can see the annual fee is only 0.7% and if you use my referral code right now you actually get $20 discount from your management fee which I think is great and you can see all time it has been just keep on going up and up and this is basically S&P 500 return if you invested since like 10 years ago it's like close to 300% return so which is very good now all I need to do is confirm by SMS okay both created no further action so you can see that it will automatically draw funds from your CPF OA account to execute this so it will take about four to five days and later on you will see your portfolio start to have this amount of money invested and you'll be able to track your portfolio performance okay all you need to do is go back to your dashboard and you can see that right now it's underpending okay if you want to cancel it for sure you can but definitely I will not this is a great chance all right and you can see that I just started this like last month yeah so because I just got to know about this last month from a very good friend as well as my investment mentor Pete and he's the one who actually shared with me this and I really want to share with all of you so that you can start taking action the right way and right now I just want to share with you how can you set up recurring investment to do dollar cost averaging so you go back to invest again and you can see that over here under invest you can actually make recurring investment so what I can do is right now uh under the thing that I have already created just now so what you can do is over here I just click back and I just want to make sure I set up recurring investment every single month to do dollar cost averaging so you can click recurring can you see that all right and you can select every one day of the month so I just want to set it okay so you can set 500 up to you you can set thousand dollars up to you and yeah then just continue some confirmed by sms you are able to set up recurring investment into your uh infinity 500 funds as well that's it you are good to go congratulations to taking your first step and start investing your cpf safely and profitably one more tip before you go this strategy for it to work you really must adopt a long-term investing horizon and that is why you should not expect a lot of profits within the next few days or even the next few months however with patience your portfolio will definitely grow because with time that's where the compounding effect actually happens if you still remember just now I talk about I use my cash to invest using options to accelerate my return and if this is something that you want to learn for yourself as well make sure join me in my upcoming options foundation class where I'll be sharing with you three powerful options strategy for you to profit regardless of the market condition all you need to do is to click on the link below and register your free webinar so do you want to kickstart your cpf investment journey if yes leave it in the comment section below and let me know what do you intend to invest with your cpf and if you find this video helpful remember to like as well as share it to more of your friends so that more people can be inspired to start investing the safe way lastly remember to subscribe to my telegram because I constantly share about my investment updates over there as well with that happy investing and I will see you next time mother likes you bye bye