Korean pension fund +20%! The CPF return is so low: only 2.5% / 4%! Jialat!

Why are CPF returns so low compared to other countries? A recent headline caught my attention: South Korea’s national pension fund is expected to return nearly 20%. That immediately raised a question that many Singaporeans are silently asking: “If other countries can achieve such high returns, why does CPF only pay 2.5% to 4%?” So I did the homework. In this video I analyze 30 years of pension fund data from: 🇰🇷 South Korea (NPS) 🇯🇵 Japan (GPIF) 🇨🇦 Canada (CPP) 🇦🇺 Australia (Future Fund) 🇳🇴 Norway (GPFG) 🇲🇾 Malaysia (EPF) 🇸🇬 Singapore (CPF) What I discovered completely changed the story. The striking returns you see abroad are investment returns: volatile, mark-to-market and sometimes deeply negative in bad years. Singapore CPF, on the other hand, is a guaranteed, stability-oriented system designed to protect the entire population against pension risks. In this video we explore: Why foreign pension funds can post double-digit returns The hidden volatility behind these key figures Why CPF’s “low” returns are actually a conscious design choice The trade-off between stable security and volatile growth And an idea worth discussing: Should Singapore consider a CPF “descendant” investment fund – optional, professionally managed and risk-aware – while keeping CPF’s core guarantees intact? This is not a CPF bashing video. It is a reality check of how pension systems are designed and what considerations each country makes. If you’re concerned about retirement planning, CPF strategy and global financial truth, this is a conversation worth having. 🔖 Hashtags #CPF #1M65 #RetirementPlanning #PensionFunds #GlobalInvesting #CPFReturns #SouthKoreaNPS #JapanGPIF #CanadaCPP #AustraliaFutureFund #NorwayGPFG #MalaysiaEPF #FinancialEducation #LongTermInvesting #RetireWithConfidence…