CPF 4% vs EPF 6.15% | Why Your Wallet Is Shrinking In Ringgit | 🦖EP1548

The Investing Iguana

CPF 4% vs EPF 6.15% | Why Your Wallet Is Shrinking In Ringgit | 🦖EP1548

The 6.30% EPF headline is not a yield — it is a currency risk premium you are being paid to ignore. Strip out the 2.6% average annual MYR depreciation against the SGD and your S$100,000 earns roughly 3.7% net in real spending power, before accounting for the equity volatility the EPF engine requires to hit that number at all. The CPF Special Account pays 4.0%, guaranteed, with zero refinancing exposure and zero currency drag. That is not a consolation prize. That is the forensic winner.

In a 5,000-point STI era where the 1.37% T-Bill sets the risk-free floor, the 3.2% Forensic Floor is the minimum I require before any asset earns a place in a retirement portfolio. A cross-border yield that nets below that floor after currency adjustment does not clear the hurdle — it just carries more risk for less reward. Capital protection is not a conservative preference. It is the only rational starting point.

📺 YouTube: https://youtu.be/ZKIYd88jKzs

📩 Substack: https://investingiguana.com/p/cpf-4-vs-epf-63-why-your-wallet-is

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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Strip out the 2.6% average annual MYR depreciation against the SGD and your S$100,000 earns roughly 3.7% net in real spending power, before accounting for the equity volatility the EPF engine requires to hit that number at all. The CPF Special Account pays 4.0%, guaranteed, with zero refinancing exposure and zero currency drag. That is not a consolation prize. That is the forensic winner. In a 5,000-point STI era where the 1.37% T-Bill sets the risk-free floor, the 3.2% Forensic Floor is the minimum I require before any asset earns a place in a retirement portfolio. A cross-border yield that nets below that floor after currency adjustment does not clear the hurdle — it just carries more risk for less reward. Capital protection is not a conservative preference. 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