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CPF SA vs SRS: Which is better? (Amended)

The CPF Special Account gives a better rate of return than the Supplementary Retirement Scheme when adjusted for risk; but cash is locked up in the former

Both the SRS and CPF SA should be treated as retirement schemes first and investment schemes second. The retirement imperative should outweigh the investment imperative.

LAST week, we discussed why the irreversible process of transferring Central Provident Fund (CPF) Ordinary Account (OA) monies to the Special Account (SA) might not be that good a deal.

For most people in their 30s and up, the gains from additional interest in the SA are arguably