UOB CPF Investment Account

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Instead of letting your CPF funds sit idle, with UOB, you can enjoy better financial security upon retirement with our range of CPF investment options. They’re available for savings in your Ordinary Account.

Benefits

Professionally-managed account

Invest your CPFIS-Ordinary Account savings in the following products that are included in the CPF Investment Scheme-Ordinary Account (CPFIS-OA):

Investment Products included in CPFIS-OA		Investment Limit¹
Professionally Managed Products	Unit Trusts Insurance Policies and Investment-Linked Products Fund Management Accounts Singapore Government Securities Singapore Government Treasury Bills Statutory Board Bonds Bonds Guaranteed by the Singapore Government	100%
Other Products
	Singapore Dollar Fixed Deposits	100%
	Loan Stocks, Corporate Bonds and Shares, including IPOs of Singapore-incorporated and SES-listed companies	35%
	Gold Exchange Traded Funds and other Gold Products	10%
Source: CPF Board, 30 October 2008 ¹ Subject to CPF SGD 20,000 requirement

Consolidated monthly statements
- Receive a complete record of your monthly transactions, investment portfolio with updated valuations, cash balance in your UOB-CPF Investment Account and sub-limits available for investments in stocks (35%) and gold (10%).
Earn daily interest
- Enjoy daily interest on the uninvested cash balance in your UOB-CPF Investment Account.
24-hour banking convenience
- Easy and convenient access to your UOB-CPF Investment Account via our 24-hour phone banking service or UOB Personal Internet Banking.
Deposit Insurance Scheme
- Singapore dollar deposits of non-bank depositors and monies deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law.
- Foreign currency deposits, dual currency investments, structured deposits and other invesment products are not insured.
Revised Terms and Conditions (effective 1 January 2013)
- Terms and Conditions Governing Accounts and Services that apply to individual customers
- Additional Terms and Conditions Governing CPF Investment Scheme Account

Eligibility

Rates & Fees

A nominal service charge based on transactions conducted
A quarterly bank service charge based on the investment portfolio held in your UOB-CPF Investment Account

A low transaction fee of S$1.50 for all UOB Unit Trusts Regular Savings Plan (RSP) purchases effected through UOB sales channels. Please refer to the table below for details:

UOB-CPF Investment Account
Investments	Transaction Charge	Service Charge
Shares/Loan Stocks/Coporate Bonds/Unit Trusts
Purchase, Sale, Conversion of Loan Stocks, IPO Allotment, Scheme Of Arrangement, Application of Rights And Application of Excess Rights	S$2 per 1,000 shares/units, or part thereof, subject to a maximum of S$20 per transaction	S$2 per counter/unit trust per quarter
Fixed Deposits/Fund Management Accounts/Insurance Policies
Payment/Receipt Of Funds	S$2 per transaction	S$2 per counter per quarter
Singapore Government Securities/Treasury Bills
Purchase And Sale Transactions	S$2 per transaction	S$2 per counter per quarter
Statutory Board Bonds/Bonds Guaranteed By The Singapore Government
Purchase And Sale Transactions	S$2 per tradable lot, subject to a maximum of S$20 per transaction	S$2 per counter per quarter
Gold
Gold Certificates	S$5 per certificate and an administrative charge of S$36 per kilobar per annum	S$2 per counter per quarter
Gold Exchange Traded Fund	S$2 per 10 shares, subject to a maximum of S$20 per transaction	S$2 per counter per quarter
Gold Savings Account	0.25% per annum based on the highest balance for the month, subject to a minimum of 0.12 grams per month	S$2 per counter per quarter
Notes: 1. All charges for account holders with country of residence in Singapore are subject to Singapore's Goods and Services Tax 2. All charges are subject to change at the Bank's discretion. A detailed schedule of the Bank's charges is also available on request

Requirements
- You must be a CPF member and be at least 18 years old
- You are not an undischarged bankrupt

Apply Now

Visit any UOB Group Branch to open an account
For general enquiries, call us 24-hour, toll-free at 1800 222 2121
For account-related enquiries, call us 24-hour, toll-free at 1800 538 8011 / 8022
Visit CPF Investor Education

Investing with CPFIS Subscription

Learn more about investments that allow for CPFIS subscription:

Useful Information

Uniplus Account Rates

Savings Amount	Rates
First S$3,000	0.2500
Next S$47,000	0.2750
Next S$50,000	0.3750
Remaining Balance Above S$100,000	0.4750

Investments