CPF Investment Account

Invest the funds in your CPF ordinary account
and build your retirement savings


  • Age 18 and above
  • Not an undischarged bankrupt
  • Must not have an existing CPF Investment Account with any bank
  • First S$20,000 cannot be invested
How to apply

Fees & charges

S$2 service charge
per counter, every quarter

Applicable to:

  • Shares 
  • Loan stocks
  • Unit trusts
  • Singapore government securities
  • Fixed deposits
  • Fund management accounts
  • Insurance policies
  • Statutory board bonds
Transaction charges
varies for each product

View all transaction charges

You can invest in the following:

Any amount in your CPF ordinary account (not including the first S$20,000)
  • Singapore government bonds
  • Statutory board bonds
  • Bonds guaranteed by Singapore government
  • Deferred annuities
  • Endowment insurance policies
  • Investment-linked insurance products
  • Unit trusts
  • Exchange-traded funds
  • Fund management accounts
Up to 35% of investable savings
  • Shares
  • Corporate bonds
Up to 10% of investable savings
  • Gold

2 ways to apply

Via online banking

For existing OCBC customers

At a branch

Available from Monday to Saturday excluding public holidays
Please bring along:
  • NRIC

    for Singaporeans
    or Singapore PRs

  • or
  • Passport

    for Malaysians

  • or
  • Passport & EP/WP

    for other foreigners

  • Additional documents

    Include any one of the following documents:

    • Phone bill
    • Half-yearly CPF
    • Any bank statement
  • and

Important notices