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Personal Banking > Investments > UOB-CPF Investment Account

UOB-CPF Investment Account
Reap better returns from your savings

Don't let your CPF funds sit idle. We offer a range of options to invest your CPF savings available in your Ordinary Account so that you can enjoy better financial security upon retirement.

You can invest your CPFIS-Ordinary Account savings in the following
professionally managed products that are included in the CPF Investment
Scheme-Ordinary Account (CPFIS-OA):

Investment Products included in CPFIS-OA
Investment Limit
Professionally Managed Products Unit Trusts 100%
Insurance Policies and Investment-Linked Products
Fund Management Accounts
Singapore Government Securities
Singapore Government Treasury Bills
Statutory Board Bonds
Bonds Guaranteed by the Singapore Government
Other Products Singapore Dollar Fixed Deposits 100%
  Loan Stocks, Corporate Bonds and Shares, including IPOs of Singapore-incorporated and SES-listed companies 35%
  Gold Exchange Traded Funds and other Gold Products 10%
Source: CPF Board, 29 December 2006

You'll enjoy:

  • A monthly statement that shows a complete record of your monthly transactions, investment portfolio with updated valuations, cash balance in your UOB-CPF Investment Account and sub-limits available for investments in stocks (35%) and gold (10%)
  • Daily interest on the uninvested cash balance in your UOB-CPF Investment Account
  • Easy and convenient access to your UOB-CPF Investment Account via our 24-hour phone banking service or UOB Personal Internet Banking

Deposit Insurance:

  • Monies denominated in Singapore dollars placed by an individual or a charity with full banks and finance companies in Singapore under the CPFIS are covered under the Deposit Insurance Scheme.

What are the requirements?

  • You must be a CPF member and at least 21 years old
  • You are not an undischarged bankrupt
  • You must have sufficient savings in your CPF Account. Please check with the CPF Board

How much does it cost?

  • A nominal service charge based on transactions conducted
  • A quarterly bank service charge based on the investment portfolio held in your UOB-CPF Investment Account
  • A low transaction fee of S$1.50 for all UOB Unit Trusts Regular Savings Plan (RSP) purchases effected through UOB sales channels. Please refer to the table below for details:
UOB-CPF Investment Account

Investments

Transaction Charge
Service Charge

Shares/Loan Stocks/Coporate Bonds/Unit Trusts

Purchase, Sale, Conversion Of Loan Stocks, IPO Allotment, Cash Offer, Application Of Rights And Application Of Excess Rights S$2 per 1,000 shares/units or part thereof per transaction, subject to a maximum of S$20 S$2 per counter/unit trust per quarter
Fixed Deposits/Fund Management Accounts/Insurance Policies
Payment/Receipt Of Funds S$2 per transaction S$2 per counter per quarter
Singapore Government Securities/Treasury Bills

Purchase And Sale Transactions

S$2 per transaction S$2 per counter per quarter
Statutory Board Bonds/Bonds Guaranteed By The Singapore Government
Purchase And Sale Transactions S$2 per tradable lot, subject to a maximum of S$20 S$2 per counter per quarter

Gold

Gold Certificates

S$5 per certificate and S$30 per kilo per annum storage charge S$2 per counter per quarter
Gold Exchange Traded Fund S$2 per 10 shares, subject to a maximum of S$20 S$2 per counter per quarter

Gold Savings Account

0.25% per annum based on the highest balance for the month, subject to a minimum of 0.12 grams per month S$2 per counter per quarter

Notes:
1. All charges for account holders with residential addresses in Singapore are subject to Singapore's Goods and Services Tax
2. All charges are subject to change at the Bank's discretion. A detailed schedule of the Bank's charges is also available on request

How do I apply?

Where can I get more information?

  • Visit the CPF Investor Education website
  • Call us at 1800 22 22 121 (toll-free) for general enquiries
  • Call us at 1800 538 8011 / 8022 (toll-free) for account-related enquiries
  • Fax to us at (65) 6223 6716
  • Email us
  • Visit us at:

    UOB-CPF Investment Scheme Department
    156 Cecil Street #08-03
    Far Eastern Bank Building
    Singapore 069544



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