The Next Big Crash - Are You Prepared?

[NTL]

Home ownership is the only way to unlock cpf OA fully before retirement age isnt it?

Not really. Investing in stocks when it's to your advantage to do so. And selling when it's time to sell. Of course you must consider the "pow chiat" 2.5 % interest rate you have to forgo when you invest in the market. But the "time factor" is to your advantage since you can't take out your money until at 55 years old.

Hi,
Assuming investments are profitable - any profits from CPFIS is still locked up (trasnfer back to CPF). However, any realised gain from property investments can be taken off after amount plus accrued interest is returned to CPF accounts. Therefore property investment (and divestment) has some advantage if the intention is to get some cash out for purposes other than stocks or property.

Don't even need to divest. Just use CPF to pay for the monthly installment, rent out, and collect monthly CASH in return. An almost "CPF-to-Cash" conversion.