Greater CPF Investment Flexibility for Members Reinvesting Capital Gains after Using Ordinary Account Funds for Housing

Mr Edward Chia Bing Hui asked the Minister for Manpower (a) whether CPF members who had previously invested their Ordinary Account (OA) funds up to a higher investment limit may, after using OA funds for housing, be allowed to reinvest the capital gains from those investments without being constrained by the revised lower investment limit following a housing purchase; and (b) whether the Ministry will consider providing greater flexibility for such reinvestments.

The Central Provident Fund (CPF) members who wish to reinvest their CPF Investment Scheme-Ordinary Account (CPFIS-OA) sale proceeds, including any capital gains, from their CPF Investment Account can already do so within two months of sale without being subject to the $20,000 OA balance threshold. The additional CPFIS-OA investment limits on stock and gold due to their inherently riskier nature, will nonetheless continue to apply.