Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing through Endowus? (SG)
As with all investing, your capital is at risk. Money in your CPF-OA is guaranteed by the Singapore Government, so if capital preservation is your primary concern we encourage you to keep your money in your CPF account.
Fluctuations are especially hard to predict over the short-term, but historical data shows that over the long-term your investment is more likely to show positive returns. We believe in the power of the markets and long-term investing, and that over a long time period your investment portfolio should (with no guarantee) perform better than the 2.5% p.a. interest in your CPF-OA account. However, depending on market conditions and investment period, you could end up with less money than if you left the money in your CPF account.