Central Provident Fund (CPF)

A typical HDB property owner usually:

✧ services loan with CPF
✧ aims to pay off all loans ASAP

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*TAKE NOTE*

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if this is you, you might be building the biggest obstacle of your path to financial freedom.

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YOU NEED TO KNOW HOW TO USE YOUR CPF CORRECTLY AND EFFICIENTLY!

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With all of most of your CPF locked inside your HDB property, you lose:
1) the 2.5% interest you can earn from leaving it inside CPF
2) the accrued interest of 2.5% to pay back when you eventually sell

That is 5% opportunity costs you are losing each and every year!

In dollar terms, for every $200k locked up in your property, you would have lost $50000 of your money in a matter of 5 years.