CPF suffers from a universal problem: Complexity.
People either ignore it, misunderstand it, or build their 'financial house' on shaky ground..
Get a peek behind the curtain from someone who not only helped design the CPF system but also manages his own daily finances (and CPF money) within it.
Our guest is former Deputy CEO of CPF – Mr. Chin Heng Soh, who will share more on:
- Why CPF is both a powerful foundation and a double-edged sword for Singaporeans.
- The boring-but-brilliant investment strategy he swears by (hint: it’s not stocks!).
- Critical gaps in healthcare/insurance planning most people overlook.
- How to turn policy complexity into your advantage.
Mr. Soh isn’t just a policy insider—he’s a counselor, financial trainer, and self-proclaimed "boring investor" who’s survived market chaos. He’ll show you how to simplify your financial life and achieve true independence—no jargon, just real talk.
Tune in to find out if your money is working as hard as his!
04:37 - Why did you choose to stay so long in CPF instead of rotating?
09:18 - What drove CPF's shift to life policies, and are they still relevant?
14:01 - How are you and your wife approaching IP plans and rider choices?
18:18 - How do you plan your finances with CPF as part of the strategy?
21:25 - How do you approach CPF investing given the low average returns?
26:24 - How do you manage your mortgage, property, and OA together?
31:49 - How do you manage income that isn’t part of the CPF system?
33:37 - Why wouldn’t you fully invest your SRS funds for maximum returns?
---
Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
[Podcast, Vodcast]
Spotify: https://rebrand.ly/TFC-spotify
Apple Podcast: https://rebrand.ly/TFC-applepodcast
YouTube: https://rebrand.ly/TFC-youtube
[Connect with us]
Instagram: https://rebrand.ly/TFC-instagram
Tik Tok: https://rebrand.ly/TFC-tiktok
Telegram: https://rebrand.ly/TFC-telegram
Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel
Newsletter: https://rebrand.ly/TFC-Newsletter
Check out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists
Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
