Should You Really Invest Your CPF Through LRIS? (S5E12)

As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing more than S$1.7 billion of our clients’ hard-earned assets.

In this week’s Money Wisdom episode, we continue our ‘The Brain Behind’ series, where our co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher, about his latest Business Times article, ‘Before You Rush Into LRIS, Understand How CPF Really Works.’

In this conversation, Christopher unpacks the thinking behind the upcoming Lifetime Retirement Investment Scheme (LRIS) and why, despite its good intentions, implementation may not be as straightforward as it seems. They also explore an important question: should everyone invest their CPF at all? In a world increasingly focused on optimisation, this episode offers an important reminder that good intentions do not always lead to good outcomes.

For listeners who realise they may need to first strengthen the 3Cs of financial security, particularly Coverage Management, our sister company, Havend, provides a safe space to seek insurance advice without any pressure selling.

To gain more perspective on today’s conversation, you may begin by reading Christopher’s Business Times article here.

Music courtesy of ItsWatR.

The host of this episode, Sudhan Purushothuman, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.

For more related resources, check out:
1. How To Make The Most Of CPF LIFE For Your Retirement
2. RetireWell™ Part 1: Drawing Down Retirement Money
3. Frequently Asked Questions About CPF

Providend promises to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. You can find out more by reading our RetireWell™ eBook.


Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially.

We do not charge a fee at the first consultation meeting. If you would like an honest second opinion on your current estate plan, investment portfolio, financial and/or retirement plan, make an appointment with us today.

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