🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 19 (from laksa071)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa019.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account","crawl_time":1775933772,"first_indexed_time":1492189663,"http_code":200,"src_unparsed":"sg,com,dbs!www,\/personal\/investments\/srs-and-cpf\/cpf-investment-account s443","src_root_hash":"5447297805767515419","history_drop_reason":null,"meta_title":"CPF Investments - Open CPF Investment Account Online | DBS Singapore","meta_descriptions":["Invest without cash and maximise returns on your CPF savings when you open a CPF Investment Account and invest with DBS. Apply for your CPFIA online with DBS digibot today!"],"attrs_boilerpipe_text":"Frequently Asked Questions\nWhat should I expect from a Corporate Action event?\nWhat is the CPFIS Self-Awareness Questionnaire (SAQ)?\nYou must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools > Assessment Tools > Take the CPFIS Self-Awareness Questionnaire (SAQ).\nCan I invest with you if my CPF Investment Account is with another bank?\nYes, you can speak to us on how you can maximise your CPF-OA funds.\nHow can I check, track and manage my CPFIA’s investments?\nAccess your account details and portfolio information quickly and easily through digibank and ATMs. Available services include:\nAccount Information: View your available CPFIA balance, and stock and gold limits.\nPortfolio Holdings: View your current investment holdings.\nRefund to CPF-OA: Transfer funds from your CPFIA to your CPF-OA via iBanking and ATM only.\nInvestment Purchases: Purchase investments such as Unit Trusts (available only if your CPFIA is with DBS)\nElectronic Security Application (ESA): Submit your ESA via iBanking and ATMs (ESA results inquiry available via iBanking only).\nCan I have multiple CPF Investment Accounts?\nYou can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer.\nHow do I transfer my CPFIS Account from another bank to DBS?\nYou can visit any of our branches to complete and sign the following forms:\nCPFIS-Inter-Bank Transfer Form\nCPFIA Account Opening Form\nThe time frame to complete the inter-bank transfer process can take up to 2 weeks\n1\n.\nPlease ensure your CPFIS Account Number is correct and your Signature matches the one in the out-going bank’s record, otherwise your application will be rejected.\nYour account transfer is successful and your account is ready for use when your account’s investible limits are updated and a notification letter will be sent to your address in the Bank’s records.\n1\nThe time frame to complete the transfer process is also dependent on response time from the outgoing bank.\nHow much CPF-OA savings I can invest?\nYou can invest your CPF-OA savings after setting aside S$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the\nCPF website\nfor more details.\nWhere can I find out more information on my shares corporate action event for my CPF Investment Account?\nInformation on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information.\nMy shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account?\nThe 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information.\nWhat are the fees and charges involved?\nHow can I withdraw my CPF Investment upon reaching 55 years old?\nYou can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA).\nPlease submit your application to CPF Board either through online or by mail. The agent bank\/product providers will contact you on the transfer of your investments to you.","attrs_markdown":"[You are in DBS Personal Banking]()\n\n[ATM & Branch](https:\/\/www.dbs.com.sg\/index\/locator.page?pid=sg-dbs-pweb-header-default-atm-branch-textlink)[Help & Support](https:\/\/www.dbs.com.sg\/personal\/support\/home.html?pid=sg-dbs-pweb-header-default-help-support-textlink)\n\n- [Bank](https:\/\/www.dbs.com.sg\/personal\/deposits\/default.page)\n- [Cards](https:\/\/www.dbs.com.sg\/personal\/cards\/default.page)\n- [Insure](https:\/\/www.dbs.com.sg\/personal\/insurance\/default.page)\n- [Borrow](https:\/\/www.dbs.com.sg\/personal\/loans\/default.page)\n- [Invest](https:\/\/www.dbs.com.sg\/personal\/investments\/default.page)\n- [digiWealth](https:\/\/www.dbs.com.sg\/personal\/digiwealth\/why-digiwealth.page)\n- [Marketplace](https:\/\/www.dbs.com.sg\/personal\/marketplace\/)\n\n[ATM & Branch](https:\/\/www.dbs.com.sg\/index\/locator.page?pid=sg-dbs-pweb-header-default-atm-branch-textlink)\n\n[![DBS logo](https:\/\/www.dbs.com.sg\/iwov-resources\/flp\/images\/dbs_logo.svg)](https:\/\/www.dbs.com.sg\/personal\/default.page)\n\n[Bank](https:\/\/www.dbs.com.sg\/personal\/deposits\/default.page)\n\n[Cards](https:\/\/www.dbs.com.sg\/personal\/cards\/default.page)\n\n[Insure](https:\/\/www.dbs.com.sg\/personal\/insurance\/default.page)\n\n[Borrow](https:\/\/www.dbs.com.sg\/personal\/loans\/default.page)\n\n[Invest](https:\/\/www.dbs.com.sg\/personal\/investments\/default.page)\n\n[digiWealth](https:\/\/www.dbs.com.sg\/personal\/digiwealth\/why-digiwealth.page)\n\n[Marketplace](https:\/\/www.dbs.com.sg\/personal\/marketplace\/)\n\nThis Search function on our website will help you to find the information that you need easily\n\nThis Search function on our website will help you to find the information that you need easily\n\nThis Search function on our website will help you to find the information that you need easily\n\nThis Search function on our website will help you to find the information that you need easily\n\n[Login](https:\/\/internet-banking.dbs.com.sg\/?theme=dbs)\n\n[Investments](https:\/\/www.dbs.com.sg\/personal\/investments\/default.page)\n\n[Other Investments](https:\/\/www.dbs.com.sg\/personal\/investments\/other-investments\/default.page)\n\n[CPF & SRS](https:\/\/www.dbs.com.sg\/personal\/investments\/other-investments\/default.page)\n\n# CPF Investment Account\nMaximise your savings and get the best options at every milestone.\n\n- [Created with Sketch.At a Glance](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#AtaGla_0)\n- [Features and benefits](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#Feaandben_1)\n- [How it works](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#Howitwor_2)\n- [Eligibility Requirements](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#EliReq_3)\n- [Apply now](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#Appnow_4)\n- [Start investing your CPF with DBS](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#StainvyouCPF_5)\n- [Get more Benefits](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#GetmorBen_7)\n- [Frequently Asked Questions](https:\/\/www.dbs.com.sg\/personal\/investments\/srs-and-cpf\/cpf-investment-account#FreAskQue_8)\n\n[Investments](https:\/\/www.dbs.com.sg\/personal\/investments\/default.page)\n\n[Other Investments](https:\/\/www.dbs.com.sg\/personal\/investments\/other-investments\/default.page)\n\n[CPF & SRS](https:\/\/www.dbs.com.sg\/personal\/investments\/other-investments\/default.page)\n\nCPF Investment Account\n\n## At a Glance\n![](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/icon-images\/money\/006.png)\n\n### Maximise Your CPF Returns\nEarn potentially higher returns by investing your CPF savings in CPF Board-approved unit trusts, at 0% sales charges.\n\n![](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/icon-images\/business\/042.png)\n\n### Diversify Your Investments\nInvest in a range of assets including stocks, bonds, REITs, and more, to potentially maximise returns and manage risk.\n\n![](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/icon-images\/business\/022.png)\n\n### Boost Your Retirement Income\nInvest in CPFIS at any age, including after 55 when your Special Account (SA) closes.\n\n## Understanding CPFIA and Its Benefits\nA CPF Investment Account (CPFIA) allows you to invest your CPF savings in a wide range of assets, potentially increasing your returns for a more secure retirement. CPFIA is a core component of Singapore's CPF Investment Scheme (CPFIS).\n\n- You can start investing if you have at least S\\$20,000 in your Ordinary Account (OA). From 1 Apr 2008, only monies in excess of \\$20,000 in your OA can be invested.\n- Investments purchased using your OA funds will be held in your CPFIA.\n- When you sell investments, the proceeds are deposited into your CPFIA. You can then transfer funds back to your OA. (See: [Transfer from CPF Investment Account to CPF Ordinary Account](https:\/\/www.dbs.com.sg\/personal\/support\/investment-cpfis-transfer-to-oa.html?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-investment-cpfis-transfer-to-oa)).\n\n## Here's How it Works: A 10-Year Comparison\n| **Feature** | **Without Investing (OA only)** | **With Investing (CPFIA)** | **Difference** |\n|---|---|---|---|\n| Initial OA | \\$60,000 | \\$20,000 (OA) + \\$40,000 (CPFIA) |   |\n| Assumed OA Return | 2\\.5% p.a. (3.5% on first \\$20,000) | 2\\.5% p.a. (3.5% on first \\$20,000) |   |\n| Assumed CPFIA Return | N\/A | 5% p.a. (illustrative Example) |   |\n| Year 1 Earnings | \\$1,700 | \\$2,700 | \\$1,000 |\n| 10-Year Compounded Returns | \\$19,045.75 | \\$33,960.31 | \\$14,914.56 |\n\n*(Note: Investment returns are not guaranteed and may vary. This example uses assumed rates of return for illustrative purposes only.)*\n\n**Investment Options with DBS:**\n\nDBS offers a range of investment options through CPFIA to help you potentially grow your savings. These are examples, and other options may be available. Remember that all investments carry risk.\n\n- **Singapore Government Securities (SGS):** Low-risk, government-backed bonds offering predictable returns. Suitable for investors seeking steady growth with minimal risk.   \n  [Find out more](https:\/\/www.dbs.com.sg\/personal\/investments\/fixed-income\/savings-bond?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-savings-bond).\n- **Unit Trusts:** Professionally managed, diversified investments offering the potential for higher returns than traditional savings. Suitable for long-term growth.  \n  [Find out more](https:\/\/www.dbs.com.sg\/iwov-resources\/pdf\/invest\/cpf-investment-account\/cpf_funds.pdf?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-cpf_funds).\n- **Exchange Traded Funds (ETFs), Stocks, REITs, Corporate Bonds, and Gold Shares:** Diversify your portfolio with a range of assets offering various risk and return profiles.  \n  [Find out more](https:\/\/www.dbs.com.sg\/personal\/investments\/equity-trading\/dbsv-vickers-app?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-dbsv-vickers-app).\n\nPlease refer to the [schedule of charges](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/pdf\/invest\/cpf_schedule_charges.pdf) for the charges involved.\n\n**For Customers Aged 55 and Above:**\n\nIf you've reached your Full Retirement Sum (FRS) in your Retirement Account (RA), any excess funds from your Special Account (SA) are transferred to your OA. You can then choose to leave the minimum \\$20,000 in your OA and invest the remaining amount via CPFIA.\n\n## Eligibility Requirements\n- You are a CPF member\n- Age 18 and above\n- Singapore Citizens (SC) or Permanent Residents (PR)\n- You are not an undischarged bankrupt\n- You have more than S\\$20,000 in your CPF Ordinary Account\n- You do not have an existing CPF Investment Account with another bank\n\n## Apply now\n**Open Your CPFIA: Quick & Easy Online Application**\n\nFor the quickest and easiest way to open your CPFIA, simply apply online using [digibot](https:\/\/chatbanking.dbs.com\/mbsg\/GCE\/K500).\n\n![](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/investments\/cpfia\/cpfia-apply-now-step-by-step.gif)\n\n**Step 1**\n\nRead through all the requirements and complete SAQs before opening.\n\n**Step 2**\n\nConfirm SAQs completion and mobile number.\n\n**Step 3**\n\nVerify CPF Account Number (NRIC for Singaporeans\/PRs).\n\n**Step 4**\n\nSelect your preferred reference account.\n\n**Step 5**\n\nIndicate your preference for receiving corporate information.\n\n**Step 6**\n\nConfirm application details before submitting.\n\nAlternatively, visit a [branch](https:\/\/www.dbs.com.sg\/index\/locator.page?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-branches) with a completed CPF Investment Scheme [Self-Awareness Questionnaire](http:\/\/www.dbs.com.sg\/personal\/common-disclaimer.page?url=https%3A%2F%2Fwww.cpf.gov.sg%2Fmember%2Ftools-and-services%2Fforms-e-applications%2Fcpf-investment-scheme-self-awareness-questionnaire%3Fpid%3Dsg-dbs-pweb-investments-cpf-investment-account-txtlink-questionnaire&3rdparty=%27cpf%20self%20awareness%20questionnaire%27) and Account Opening [Form](https:\/\/www.dbs.com.sg\/iwov-resources\/pdf\/invest\/cpf-investment-account\/cpf_investment_account_opening_form.pdf).\n\n**Refer [here](https:\/\/www.dbs.com.sg\/iwov-resources\/pdf\/invest\/cpf_investment_account_tnc.pdf) for full terms and conditions.**\n\n## Start investing your CPF with DBS\nInvesting with CPF-OA funds is easy. Do it at your convenience online with digibank or [link your CPFIA](https:\/\/www.dbs.com.sg\/personal\/support\/investment-vickers-link-cpf-srs-to-vickers.html?fireglass_rsn=true) to your DBS Vickers Account.\n\n![](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/investments\/srs-and-cpf\/supplementary-retirement-scheme\/start-investing-1.jpg)\n\n**Are you a digibank user?**\n\nGo to “Invest” to get started.\n\n[Log in](https:\/\/internet-banking.dbs.com.sg\/IB\/Welcome)\n\n![](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/investments\/srs-and-cpf\/supplementary-retirement-scheme\/start-investing-2.jpg)\n\n**Have a DBS Vickers Account?**\n\nChoose CPF as your settlement mode.\n\n[Log in](https:\/\/www1.dbsvonline.com\/OTS\/English\/Login)\n\n## Tap into trusted advice\nConnect with our Wealth Planning Managers and get the insights you need to take charge of your financial plans with confidence.\n\n[Contact us](https:\/\/www.dbs.com.sg\/Contact\/dbs\/appointment\/default.page?pid=sg-dbs-pweb-product-investments-cpf-investment-account-textlink-contact-us)\n\n## Get more Benefits\n[![Multiplier](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/dbs-multiplier-insurance-banner.png)](https:\/\/www.dbs.com.sg\/personal\/deposits\/bank-earn\/multiplier?pid=sg-dbs-pweb-investments-cpf-investment-account-image-multiplier)\n\nEarn bonus interest on your DBS Multiplier Account when you invest with your DBS CPFIA. Dividends count too! [Find out more](https:\/\/www.dbs.com.sg\/personal\/deposits\/bank-earn\/multiplier?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-multiplier).\n\n### Frequently Asked Questions\nWhat should I expect from a Corporate Action event?\n\nFor Rights Events, visit [go.dbs.com\/sg-rights](http:\/\/go.dbs.com\/sg-rights) for more details.\n\nFor Scrip Dividend Scheme Events, visit [go.dbs.com\/sg-dvop](http:\/\/go.dbs.com\/sg-dvop) for more details.\n\nFor Tender Events, visit [go.dbs.com\/sg-tenders](http:\/\/go.dbs.com\/sg-tenders) for more details.\n\nFor Warrant Exercise Events, visit [go.dbs.com\/sg-warrants](http:\/\/go.dbs.com\/sg-warrants) for more details.\n\nWhat is the CPFIS Self-Awareness Questionnaire (SAQ)?\n\nYou must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools \\> Assessment Tools \\> Take the CPFIS Self-Awareness Questionnaire (SAQ).\n\nCan I invest with you if my CPF Investment Account is with another bank?\n\nYes, you can speak to us on how you can maximise your CPF-OA funds.\n\nHow can I check, track and manage my CPFIA’s investments?\n\nAccess your account details and portfolio information quickly and easily through digibank and ATMs. Available services include:\n\n- Account Information: View your available CPFIA balance, and stock and gold limits.\n- Portfolio Holdings: View your current investment holdings.\n- Refund to CPF-OA: Transfer funds from your CPFIA to your CPF-OA via iBanking and ATM only.\n- Investment Purchases: Purchase investments such as Unit Trusts (available only if your CPFIA is with DBS)\n- Electronic Security Application (ESA): Submit your ESA via iBanking and ATMs (ESA results inquiry available via iBanking only).\n\nCan I have multiple CPF Investment Accounts?\n\nYou can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer.\n\nHow do I transfer my CPFIS Account from another bank to DBS?\n\nYou can visit any of our branches to complete and sign the following forms:\n\n- CPFIS-Inter-Bank Transfer Form\n- CPFIA Account Opening Form\n\nThe time frame to complete the inter-bank transfer process can take up to 2 weeks1.\n\nPlease ensure your CPFIS Account Number is correct and your Signature matches the one in the out-going bank’s record, otherwise your application will be rejected.\n\nYour account transfer is successful and your account is ready for use when your account’s investible limits are updated and a notification letter will be sent to your address in the Bank’s records.\n\n1 The time frame to complete the transfer process is also dependent on response time from the outgoing bank.\n\nHow much CPF-OA savings I can invest?\n\nYou can invest your CPF-OA savings after setting aside S\\$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the [CPF website](http:\/\/www.dbs.com.sg\/personal\/common-disclaimer.page?url=https%3A%2F%2Fwww.cpf.gov.sg%2Fmember%2Fgrowing-your-savings%2Fearning-higher-returns%2Finvesting-your-cpf-savings%3Fpid%3Dsg-dbs-pweb-investments-cpf-investment-account-txtlink-investing-your-cpf-savings&3rdparty=%27investing-your-cpf-savings%27) for more details.\n\nWhere can I find out more information on my shares corporate action event for my CPF Investment Account?\n\nInformation on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information.\n\nMy shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account?\n\nThe 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information.\n\nWhat are the fees and charges involved?\n\nPlease refer to the [schedule of charges](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/pdf\/invest\/cpf_schedule_charges.pdf) for the charges involved.\n\nHow can I withdraw my CPF Investment upon reaching 55 years old?\n\nYou can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA).  \nPlease submit your application to CPF Board either through online or by mail. The agent bank\/product providers will contact you on the transfer of your investments to you.\n\nDeposit Insurance Scheme  \nSingapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S\\$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S\\$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.\n\n#### Thank you. Your feedback will help us serve you better.\n#### Was this information useful?\nYes\n\nNo\n\n### Related\n[![Supplementary Retirement Scheme](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/investments\/srs-square.jpg)](https:\/\/www.dbs.com.sg\/i-bank\/investments\/srs-and-cpf\/supplementary-retirement-scheme)\n\n### [Supplementary Retirement Scheme (SRS)](https:\/\/www.dbs.com.sg\/i-bank\/investments\/srs-and-cpf\/supplementary-retirement-scheme)\n\n[![Reach life's goals with this smart duo](https:\/\/www.dbs.com.sg\/iwov-resources\/media\/images\/investments\/cpfia-and-srs\/cpfia-and-srs-square.jpg)](https:\/\/www.dbs.com.sg\/i-bank\/investments\/other-investments\/cpfia-and-srs)\n\n### [Reach life's goals  with this smart duo](https:\/\/www.dbs.com.sg\/i-bank\/investments\/other-investments\/cpfia-and-srs)\n\n### Explore more\n[Investing](https:\/\/www.dbs.com.sg\/personal\/contentlist.page?topic=Investing)[Financial Planning](https:\/\/www.dbs.com.sg\/personal\/contentlist.page?topic=Financial%20Planning)\n\n#### Useful Links\n- [About DBS](https:\/\/www.dbs.com\/about-us\/default.page?pid=sg-dbs-pweb-footer-default-about-dbs-textlink)\n- [Investor Relations](https:\/\/www.dbs.com\/investor\/index.html?pid=sg-dbs-pweb-footer-default-investor-relations-textlink)\n- [Disclaimer & Important Notice](https:\/\/www.dbs.com.sg\/iwov-resources\/docs\/research\/disclaimer-asian-insights_v2.pdf)\n- [Terms & Conditions Governing Electronic Services](https:\/\/www.dbs.com.sg\/personal\/deposits\/terms-conditions-electronic-services.page?pid=sg-dbs-pweb-footer-default-term-conditions-governing-electronic-services-textlink)\n- [Best Execution Policy](https:\/\/www.dbs.com.sg\/i-bank\/best-execution-policy.page?pid=sg-dbs-pweb-footer-default-best-execution-policy-textlink)\n\n#### Others\n- [Forms](https:\/\/www.dbs.com.sg\/personal\/form\/default.page?pid=sg-dbs-pweb-footer-default-forms-textlink)\n- [Rates & Tools](https:\/\/www.dbs.com.sg\/i-bank\/rates-online\/default.page?pid=sg-dbs-pweb-footer-default-rates-textlink)\n- [Security & You](https:\/\/www.dbs.com.sg\/personal\/deposits\/bank-with-ease\/protecting-yourself-online?pid=sg-dbs-pweb-footer-default-security-you-textlink#security-and-you)\n- [Scheduled Maintenance](https:\/\/www.dbs.com.sg\/personal\/deposits\/maintenance-schedule.page?pid=sg-dbs-pweb-footer-default-scheduled-maintenance-textlink)\n- [Update Personal Particulars](https:\/\/www.dbs.com.sg\/personal\/deposits\/bank-with-ease\/update-particulars?pid=sg-dbs-pweb-footer-default-update-particulars-textlink)\n- [Lasting Power of Attorney](https:\/\/www.dbs.com.sg\/i-bank\/lasting-power-of-attorney\/redirect-abs.page)\n\n#### Need Help?\n[Help & Support Portal](https:\/\/www.dbs.com.sg\/personal\/support\/home.html?pid=sg-dbs-pweb-footer-learn-help-support-textlink)\n\nPhone - [1800 111 1111](tel:18001111111)\n\n[Get In Touch with Us](https:\/\/www.dbs.com.sg\/i-bank\/bank-with-ease\/contact-us?pid=sg-dbs-pweb-footer-learn-contactus-textlink)\n\n#### Markets\n- [Singapore](https:\/\/www.dbs.com.sg\/)\n- [Hong Kong](https:\/\/www.dbs.com.hk\/)\n- [India](https:\/\/www.dbs.bank.in\/)\n- [Indonesia](https:\/\/www.dbs.id\/)\n- [Mainland China](https:\/\/www.dbs.com.cn\/)\n- [Taiwan](https:\/\/www.dbs.com.tw\/)\n\n[Singapore]()\n\n[Terms & Conditions](https:\/\/www.dbs.com\/terms\/default.page)[Privacy Policy](https:\/\/www.dbs.com\/privacy\/default.page)[Fair Dealing Commitment](https:\/\/www.dbs.com\/fairdealing\/default.page)[Compliance with Tax Requirements](https:\/\/www.dbs.com.sg\/personal\/compliance-tax-requirements\/index.html)[Vulnerability Disclosure Policy](https:\/\/www.dbs.com\/vdp\/default.page)\n\n©2026 DBS Bank LtdCo. 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| 10 | 11 | 12 | 13 | 14 |\n| 15 | 16 | 17 | 18 | 19 | 20 | 21 |\n| 22 | 23 | 24 | 25 | 26 | 27 | 28 |\n\nMarch\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n| 1 | 2 | 3 | 4 | 5 | 6 | 7 |\n| 8 | 9 | 10 | 11 | 12 | 13 | 14 |\n| 15 | 16 | 17 | 18 | 19 | 20 | 21 |\n| 22 | 23 | 24 | 25 | 26 | 27 | 28 |\n| 29 | 30 | 31 |   |   |   |   |\n\nApril\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   |   | 1 | 2 | 3 | 4 |\n| 5 | 6 | 7 | 8 | 9 | 10 | 11 |\n| 12 | 13 | 14 | 15 | 16 | 17 | 18 |\n| 19 | 20 | 21 | 22 | 23 | 24 | 25 |\n| 26 | 27 | 28 | 29 | 30 |   |   |\n\nMay\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   |   |   |   | 1 | 2 |\n| 3 | 4 | 5 | 6 | 7 | 8 | 9 |\n| 10 | 11 | 12 | 13 | 14 | 15 | 16 |\n| 17 | 18 | 19 | 20 | 21 | 22 | 23 |\n| 24 | 25 | 26 | 27 | 28 | 29 | 30 |\n| 31 |   |   |   |   |   |   |\n\nJune\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   | 1 | 2 | 3 | 4 | 5 | 6 |\n| 7 | 8 | 9 | 10 | 11 | 12 | 13 |\n| 14 | 15 | 16 | 17 | 18 | 19 | 20 |\n| 21 | 22 | 23 | 24 | 25 | 26 | 27 |\n| 28 | 29 | 30 |   |   |   |   |\n\nJuly\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   |   | 1 | 2 | 3 | 4 |\n| 5 | 6 | 7 | 8 | 9 | 10 | 11 |\n| 12 | 13 | 14 | 15 | 16 | 17 | 18 |\n| 19 | 20 | 21 | 22 | 23 | 24 | 25 |\n| 26 | 27 | 28 | 29 | 30 | 31 |   |\n\nAugust\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   |   |   |   |   | 1 |\n| 2 | 3 | 4 | 5 | 6 | 7 | 8 |\n| 9 | 10 | 11 | 12 | 13 | 14 | 15 |\n| 16 | 17 | 18 | 19 | 20 | 21 | 22 |\n| 23 | 24 | 25 | 26 | 27 | 28 | 29 |\n| 30 | 31 |   |   |   |   |   |\n\nSeptember\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   | 1 | 2 | 3 | 4 | 5 |\n| 6 | 7 | 8 | 9 | 10 | 11 | 12 |\n| 13 | 14 | 15 | 16 | 17 | 18 | 19 |\n| 20 | 21 | 22 | 23 | 24 | 25 | 26 |\n| 27 | 28 | 29 | 30 |   |   |   |\n\nOctober\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   |   |   | 1 | 2 | 3 |\n| 4 | 5 | 6 | 7 | 8 | 9 | 10 |\n| 11 | 12 | 13 | 14 | 15 | 16 | 17 |\n| 18 | 19 | 20 | 21 | 22 | 23 | 24 |\n| 25 | 26 | 27 | 28 | 29 | 30 | 31 |\n\nNovember\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n| 1 | 2 | 3 | 4 | 5 | 6 | 7 |\n| 8 | 9 | 10 | 11 | 12 | 13 | 14 |\n| 15 | 16 | 17 | 18 | 19 | 20 | 21 |\n| 22 | 23 | 24 | 25 | 26 | 27 | 28 |\n| 29 | 30 |   |   |   |   |   |\n\nDecember\n\n| Su | Mo | Tu | We | Th | Fr | Sa |\n|---|---|---|---|---|---|---|\n|   |   | 1 | 2 | 3 | 4 | 5 |\n| 6 | 7 | 8 | 9 | 10 | 11 | 12 |\n| 13 | 14 | 15 | 16 | 17 | 18 | 19 |\n| 20 | 21 | 22 | 23 | 24 | 25 | 26 |\n| 27 | 28 | 29 | 30 | 31 |   |   |\n\nCancel\n\nApply\n\nDetail Page\n\nAuthentication Successful\\!\n\nLEAVE A MESSAGE\n\nBACK TO DIGIBOT\n\nCANCEL\n\nChat Session has been ended\n\nOk\n\nAre you sure you want to end the chat?\n\nCancel\n\nEnd Chat","attrs_readable_markdown":"### Frequently Asked Questions\nWhat should I expect from a Corporate Action event?\n\nWhat is the CPFIS Self-Awareness Questionnaire (SAQ)?\n\nYou must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools \\> Assessment Tools \\> Take the CPFIS Self-Awareness Questionnaire (SAQ).\n\nCan I invest with you if my CPF Investment Account is with another bank?\n\nYes, you can speak to us on how you can maximise your CPF-OA funds.\n\nHow can I check, track and manage my CPFIA’s investments?\n\nAccess your account details and portfolio information quickly and easily through digibank and ATMs. Available services include:\n\n- Account Information: View your available CPFIA balance, and stock and gold limits.\n- Portfolio Holdings: View your current investment holdings.\n- Refund to CPF-OA: Transfer funds from your CPFIA to your CPF-OA via iBanking and ATM only.\n- Investment Purchases: Purchase investments such as Unit Trusts (available only if your CPFIA is with DBS)\n- Electronic Security Application (ESA): Submit your ESA via iBanking and ATMs (ESA results inquiry available via iBanking only).\n\nCan I have multiple CPF Investment Accounts?\n\nYou can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer.\n\nHow do I transfer my CPFIS Account from another bank to DBS?\n\nYou can visit any of our branches to complete and sign the following forms:\n\n- CPFIS-Inter-Bank Transfer Form\n- CPFIA Account Opening Form\n\nThe time frame to complete the inter-bank transfer process can take up to 2 weeks1.\n\nPlease ensure your CPFIS Account Number is correct and your Signature matches the one in the out-going bank’s record, otherwise your application will be rejected.\n\nYour account transfer is successful and your account is ready for use when your account’s investible limits are updated and a notification letter will be sent to your address in the Bank’s records.\n\n1 The time frame to complete the transfer process is also dependent on response time from the outgoing bank.\n\nHow much CPF-OA savings I can invest?\n\nYou can invest your CPF-OA savings after setting aside S\\$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the [CPF website](http:\/\/www.dbs.com.sg\/personal\/common-disclaimer.page?url=https%3A%2F%2Fwww.cpf.gov.sg%2Fmember%2Fgrowing-your-savings%2Fearning-higher-returns%2Finvesting-your-cpf-savings%3Fpid%3Dsg-dbs-pweb-investments-cpf-investment-account-txtlink-investing-your-cpf-savings&3rdparty=%27investing-your-cpf-savings%27) for more details.\n\nWhere can I find out more information on my shares corporate action event for my CPF Investment Account?\n\nInformation on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information.\n\nMy shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account?\n\nThe 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information.\n\nWhat are the fees and charges involved?\n\nHow can I withdraw my CPF Investment upon reaching 55 years old?\n\nYou can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA).  \nPlease submit your application to CPF Board either through online or by mail. The agent bank\/product providers will contact you on the transfer of your investments to you.","meta_canonical":null}

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Meta Description	Invest without cash and maximise returns on your CPF savings when you open a CPF Investment Account and invest with DBS. Apply for your CPFIA online with DBS digibot today!
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Boilerpipe Text	Frequently Asked Questions What should I expect from a Corporate Action event? What is the CPFIS Self-Awareness Questionnaire (SAQ)? You must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools > Assessment Tools > Take the CPFIS Self-Awareness Questionnaire (SAQ). Can I invest with you if my CPF Investment Account is with another bank? Yes, you can speak to us on how you can maximise your CPF-OA funds. How can I check, track and manage my CPFIA’s investments? Access your account details and portfolio information quickly and easily through digibank and ATMs. Available services include: Account Information: View your available CPFIA balance, and stock and gold limits. Portfolio Holdings: View your current investment holdings. Refund to CPF-OA: Transfer funds from your CPFIA to your CPF-OA via iBanking and ATM only. Investment Purchases: Purchase investments such as Unit Trusts (available only if your CPFIA is with DBS) Electronic Security Application (ESA): Submit your ESA via iBanking and ATMs (ESA results inquiry available via iBanking only). Can I have multiple CPF Investment Accounts? You can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer. How do I transfer my CPFIS Account from another bank to DBS? You can visit any of our branches to complete and sign the following forms: CPFIS-Inter-Bank Transfer Form CPFIA Account Opening Form The time frame to complete the inter-bank transfer process can take up to 2 weeks 1 . Please ensure your CPFIS Account Number is correct and your Signature matches the one in the out-going bank’s record, otherwise your application will be rejected. Your account transfer is successful and your account is ready for use when your account’s investible limits are updated and a notification letter will be sent to your address in the Bank’s records. 1 The time frame to complete the transfer process is also dependent on response time from the outgoing bank. How much CPF-OA savings I can invest? You can invest your CPF-OA savings after setting aside S$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the CPF website for more details. Where can I find out more information on my shares corporate action event for my CPF Investment Account? Information on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information. My shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account? The 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information. What are the fees and charges involved? How can I withdraw my CPF Investment upon reaching 55 years old? You can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA). Please submit your application to CPF Board either through online or by mail. The agent bank/product providers will contact you on the transfer of your investments to you.
Markdown	[You are in DBS Personal Banking]() [ATM & Branch](https://www.dbs.com.sg/index/locator.page?pid=sg-dbs-pweb-header-default-atm-branch-textlink)[Help & Support](https://www.dbs.com.sg/personal/support/home.html?pid=sg-dbs-pweb-header-default-help-support-textlink) - [Bank](https://www.dbs.com.sg/personal/deposits/default.page) - [Cards](https://www.dbs.com.sg/personal/cards/default.page) - [Insure](https://www.dbs.com.sg/personal/insurance/default.page) - [Borrow](https://www.dbs.com.sg/personal/loans/default.page) - [Invest](https://www.dbs.com.sg/personal/investments/default.page) - [digiWealth](https://www.dbs.com.sg/personal/digiwealth/why-digiwealth.page) - [Marketplace](https://www.dbs.com.sg/personal/marketplace/) [ATM & Branch](https://www.dbs.com.sg/index/locator.page?pid=sg-dbs-pweb-header-default-atm-branch-textlink) [![DBS logo](https://www.dbs.com.sg/iwov-resources/flp/images/dbs_logo.svg)](https://www.dbs.com.sg/personal/default.page) [Bank](https://www.dbs.com.sg/personal/deposits/default.page) [Cards](https://www.dbs.com.sg/personal/cards/default.page) [Insure](https://www.dbs.com.sg/personal/insurance/default.page) [Borrow](https://www.dbs.com.sg/personal/loans/default.page) [Invest](https://www.dbs.com.sg/personal/investments/default.page) [digiWealth](https://www.dbs.com.sg/personal/digiwealth/why-digiwealth.page) [Marketplace](https://www.dbs.com.sg/personal/marketplace/) This Search function on our website will help you to find the information that you need easily This Search function on our website will help you to find the information that you need easily This Search function on our website will help you to find the information that you need easily This Search function on our website will help you to find the information that you need easily [Login](https://internet-banking.dbs.com.sg/?theme=dbs) [Investments](https://www.dbs.com.sg/personal/investments/default.page) [Other Investments](https://www.dbs.com.sg/personal/investments/other-investments/default.page) [CPF & SRS](https://www.dbs.com.sg/personal/investments/other-investments/default.page) # CPF Investment Account Maximise your savings and get the best options at every milestone. - [Created with Sketch.At a Glance](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#AtaGla_0) - [Features and benefits](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#Feaandben_1) - [How it works](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#Howitwor_2) - [Eligibility Requirements](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#EliReq_3) - [Apply now](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#Appnow_4) - [Start investing your CPF with DBS](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#StainvyouCPF_5) - [Get more Benefits](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#GetmorBen_7) - [Frequently Asked Questions](https://www.dbs.com.sg/personal/investments/srs-and-cpf/cpf-investment-account#FreAskQue_8) [Investments](https://www.dbs.com.sg/personal/investments/default.page) [Other Investments](https://www.dbs.com.sg/personal/investments/other-investments/default.page) [CPF & SRS](https://www.dbs.com.sg/personal/investments/other-investments/default.page) CPF Investment Account ## At a Glance ![](https://www.dbs.com.sg/iwov-resources/media/images/icon-images/money/006.png) ### Maximise Your CPF Returns Earn potentially higher returns by investing your CPF savings in CPF Board-approved unit trusts, at 0% sales charges. ![](https://www.dbs.com.sg/iwov-resources/media/images/icon-images/business/042.png) ### Diversify Your Investments Invest in a range of assets including stocks, bonds, REITs, and more, to potentially maximise returns and manage risk. ![](https://www.dbs.com.sg/iwov-resources/media/images/icon-images/business/022.png) ### Boost Your Retirement Income Invest in CPFIS at any age, including after 55 when your Special Account (SA) closes. ## Understanding CPFIA and Its Benefits A CPF Investment Account (CPFIA) allows you to invest your CPF savings in a wide range of assets, potentially increasing your returns for a more secure retirement. CPFIA is a core component of Singapore's CPF Investment Scheme (CPFIS). - You can start investing if you have at least S\$20,000 in your Ordinary Account (OA). From 1 Apr 2008, only monies in excess of \$20,000 in your OA can be invested. - Investments purchased using your OA funds will be held in your CPFIA. - When you sell investments, the proceeds are deposited into your CPFIA. You can then transfer funds back to your OA. (See: [Transfer from CPF Investment Account to CPF Ordinary Account](https://www.dbs.com.sg/personal/support/investment-cpfis-transfer-to-oa.html?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-investment-cpfis-transfer-to-oa)). ## Here's How it Works: A 10-Year Comparison \| Feature \| Without Investing (OA only) \| With Investing (CPFIA) \| Difference \| \|---\|---\|---\|---\| \| Initial OA \| \$60,000 \| \$20,000 (OA) + \$40,000 (CPFIA) \| \| \| Assumed OA Return \| 2\.5% p.a. (3.5% on first \$20,000) \| 2\.5% p.a. (3.5% on first \$20,000) \| \| \| Assumed CPFIA Return \| N/A \| 5% p.a. (illustrative Example) \| \| \| Year 1 Earnings \| \$1,700 \| \$2,700 \| \$1,000 \| \| 10-Year Compounded Returns \| \$19,045.75 \| \$33,960.31 \| \$14,914.56 \| (Note: Investment returns are not guaranteed and may vary. This example uses assumed rates of return for illustrative purposes only.) Investment Options with DBS: DBS offers a range of investment options through CPFIA to help you potentially grow your savings. These are examples, and other options may be available. Remember that all investments carry risk. - Singapore Government Securities (SGS): Low-risk, government-backed bonds offering predictable returns. Suitable for investors seeking steady growth with minimal risk. [Find out more](https://www.dbs.com.sg/personal/investments/fixed-income/savings-bond?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-savings-bond). - Unit Trusts: Professionally managed, diversified investments offering the potential for higher returns than traditional savings. Suitable for long-term growth. [Find out more](https://www.dbs.com.sg/iwov-resources/pdf/invest/cpf-investment-account/cpf_funds.pdf?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-cpf_funds). - Exchange Traded Funds (ETFs), Stocks, REITs, Corporate Bonds, and Gold Shares: Diversify your portfolio with a range of assets offering various risk and return profiles. [Find out more](https://www.dbs.com.sg/personal/investments/equity-trading/dbsv-vickers-app?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-dbsv-vickers-app). Please refer to the [schedule of charges](https://www.dbs.com.sg/iwov-resources/media/pdf/invest/cpf_schedule_charges.pdf) for the charges involved. For Customers Aged 55 and Above: If you've reached your Full Retirement Sum (FRS) in your Retirement Account (RA), any excess funds from your Special Account (SA) are transferred to your OA. You can then choose to leave the minimum \$20,000 in your OA and invest the remaining amount via CPFIA. ## Eligibility Requirements - You are a CPF member - Age 18 and above - Singapore Citizens (SC) or Permanent Residents (PR) - You are not an undischarged bankrupt - You have more than S\$20,000 in your CPF Ordinary Account - You do not have an existing CPF Investment Account with another bank ## Apply now Open Your CPFIA: Quick & Easy Online Application For the quickest and easiest way to open your CPFIA, simply apply online using [digibot](https://chatbanking.dbs.com/mbsg/GCE/K500). ![](https://www.dbs.com.sg/iwov-resources/media/images/investments/cpfia/cpfia-apply-now-step-by-step.gif) Step 1 Read through all the requirements and complete SAQs before opening. Step 2 Confirm SAQs completion and mobile number. Step 3 Verify CPF Account Number (NRIC for Singaporeans/PRs). Step 4 Select your preferred reference account. Step 5 Indicate your preference for receiving corporate information. Step 6 Confirm application details before submitting. Alternatively, visit a [branch](https://www.dbs.com.sg/index/locator.page?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-branches) with a completed CPF Investment Scheme [Self-Awareness Questionnaire](http://www.dbs.com.sg/personal/common-disclaimer.page?url=https%3A%2F%2Fwww.cpf.gov.sg%2Fmember%2Ftools-and-services%2Fforms-e-applications%2Fcpf-investment-scheme-self-awareness-questionnaire%3Fpid%3Dsg-dbs-pweb-investments-cpf-investment-account-txtlink-questionnaire&3rdparty=%27cpf%20self%20awareness%20questionnaire%27) and Account Opening [Form](https://www.dbs.com.sg/iwov-resources/pdf/invest/cpf-investment-account/cpf_investment_account_opening_form.pdf). Refer [here](https://www.dbs.com.sg/iwov-resources/pdf/invest/cpf_investment_account_tnc.pdf) for full terms and conditions. ## Start investing your CPF with DBS Investing with CPF-OA funds is easy. Do it at your convenience online with digibank or [link your CPFIA](https://www.dbs.com.sg/personal/support/investment-vickers-link-cpf-srs-to-vickers.html?fireglass_rsn=true) to your DBS Vickers Account. ![](https://www.dbs.com.sg/iwov-resources/media/images/investments/srs-and-cpf/supplementary-retirement-scheme/start-investing-1.jpg) Are you a digibank user? Go to “Invest” to get started. [Log in](https://internet-banking.dbs.com.sg/IB/Welcome) ![](https://www.dbs.com.sg/iwov-resources/media/images/investments/srs-and-cpf/supplementary-retirement-scheme/start-investing-2.jpg) Have a DBS Vickers Account? Choose CPF as your settlement mode. [Log in](https://www1.dbsvonline.com/OTS/English/Login) ## Tap into trusted advice Connect with our Wealth Planning Managers and get the insights you need to take charge of your financial plans with confidence. [Contact us](https://www.dbs.com.sg/Contact/dbs/appointment/default.page?pid=sg-dbs-pweb-product-investments-cpf-investment-account-textlink-contact-us) ## Get more Benefits [![Multiplier](https://www.dbs.com.sg/iwov-resources/media/images/dbs-multiplier-insurance-banner.png)](https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier?pid=sg-dbs-pweb-investments-cpf-investment-account-image-multiplier) Earn bonus interest on your DBS Multiplier Account when you invest with your DBS CPFIA. Dividends count too! [Find out more](https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier?pid=sg-dbs-pweb-investments-cpf-investment-account-txtlink-multiplier). ### Frequently Asked Questions What should I expect from a Corporate Action event? For Rights Events, visit [go.dbs.com/sg-rights](http://go.dbs.com/sg-rights) for more details. For Scrip Dividend Scheme Events, visit [go.dbs.com/sg-dvop](http://go.dbs.com/sg-dvop) for more details. For Tender Events, visit [go.dbs.com/sg-tenders](http://go.dbs.com/sg-tenders) for more details. For Warrant Exercise Events, visit [go.dbs.com/sg-warrants](http://go.dbs.com/sg-warrants) for more details. What is the CPFIS Self-Awareness Questionnaire (SAQ)? You must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools \> Assessment Tools \> Take the CPFIS Self-Awareness Questionnaire (SAQ). Can I invest with you if my CPF Investment Account is with another bank? Yes, you can speak to us on how you can maximise your CPF-OA funds. How can I check, track and manage my CPFIA’s investments? Access your account details and portfolio information quickly and easily through digibank and ATMs. Available services include: - Account Information: View your available CPFIA balance, and stock and gold limits. - Portfolio Holdings: View your current investment holdings. - Refund to CPF-OA: Transfer funds from your CPFIA to your CPF-OA via iBanking and ATM only. - Investment Purchases: Purchase investments such as Unit Trusts (available only if your CPFIA is with DBS) - Electronic Security Application (ESA): Submit your ESA via iBanking and ATMs (ESA results inquiry available via iBanking only). Can I have multiple CPF Investment Accounts? You can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer. How do I transfer my CPFIS Account from another bank to DBS? You can visit any of our branches to complete and sign the following forms: - CPFIS-Inter-Bank Transfer Form - CPFIA Account Opening Form The time frame to complete the inter-bank transfer process can take up to 2 weeks1. Please ensure your CPFIS Account Number is correct and your Signature matches the one in the out-going bank’s record, otherwise your application will be rejected. Your account transfer is successful and your account is ready for use when your account’s investible limits are updated and a notification letter will be sent to your address in the Bank’s records. 1 The time frame to complete the transfer process is also dependent on response time from the outgoing bank. How much CPF-OA savings I can invest? You can invest your CPF-OA savings after setting aside S\$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the [CPF website](http://www.dbs.com.sg/personal/common-disclaimer.page?url=https%3A%2F%2Fwww.cpf.gov.sg%2Fmember%2Fgrowing-your-savings%2Fearning-higher-returns%2Finvesting-your-cpf-savings%3Fpid%3Dsg-dbs-pweb-investments-cpf-investment-account-txtlink-investing-your-cpf-savings&3rdparty=%27investing-your-cpf-savings%27) for more details. Where can I find out more information on my shares corporate action event for my CPF Investment Account? Information on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information. My shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account? The 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information. What are the fees and charges involved? Please refer to the [schedule of charges](https://www.dbs.com.sg/iwov-resources/media/pdf/invest/cpf_schedule_charges.pdf) for the charges involved. How can I withdraw my CPF Investment upon reaching 55 years old? You can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA). Please submit your application to CPF Board either through online or by mail. The agent bank/product providers will contact you on the transfer of your investments to you. Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S\$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S\$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. #### Thank you. Your feedback will help us serve you better. #### Was this information useful? 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Readable Markdown	### Frequently Asked Questions What should I expect from a Corporate Action event? What is the CPFIS Self-Awareness Questionnaire (SAQ)? You must take the SAQ if you have not opened a CPF investment Account or invested in the CPF Investment Scheme – Special Account before. If you have a CPFIA account, you are encouraged to take the SAQ. The SAQ is to help CPF members self-assess if they have basic financial knowledge and whether the CPFIS is suitable for them. You can access the SAQ via the CPF website after logging in with your SingPass. Under Tools \> Assessment Tools \> Take the CPFIS Self-Awareness Questionnaire (SAQ). Can I invest with you if my CPF Investment Account is with another bank? Yes, you can speak to us on how you can maximise your CPF-OA funds. How can I check, track and manage my CPFIA’s investments? Access your account details and portfolio information quickly and easily through digibank and ATMs. Available services include: - Account Information: View your available CPFIA balance, and stock and gold limits. - Portfolio Holdings: View your current investment holdings. - Refund to CPF-OA: Transfer funds from your CPFIA to your CPF-OA via iBanking and ATM only. - Investment Purchases: Purchase investments such as Unit Trusts (available only if your CPFIA is with DBS) - Electronic Security Application (ESA): Submit your ESA via iBanking and ATMs (ESA results inquiry available via iBanking only). Can I have multiple CPF Investment Accounts? You can only have one CPF Investment Account at any point of time. If you have an existing CPFIA with another CPFIA agent bank and wish to transfer to DBS, please visit any of our branches to do the CPFIA transfer. How do I transfer my CPFIS Account from another bank to DBS? You can visit any of our branches to complete and sign the following forms: - CPFIS-Inter-Bank Transfer Form - CPFIA Account Opening Form The time frame to complete the inter-bank transfer process can take up to 2 weeks1. Please ensure your CPFIS Account Number is correct and your Signature matches the one in the out-going bank’s record, otherwise your application will be rejected. Your account transfer is successful and your account is ready for use when your account’s investible limits are updated and a notification letter will be sent to your address in the Bank’s records. 1 The time frame to complete the transfer process is also dependent on response time from the outgoing bank. How much CPF-OA savings I can invest? You can invest your CPF-OA savings after setting aside S\$20,000 in your CPF-OA. In addition, you can only invest up to 35% of investible savings in stocks and 10% of investible savings in gold. To find out how much of your OA savings that you can invest, please log in to myCPF Online Service or visit the [CPF website](http://www.dbs.com.sg/personal/common-disclaimer.page?url=https%3A%2F%2Fwww.cpf.gov.sg%2Fmember%2Fgrowing-your-savings%2Fearning-higher-returns%2Finvesting-your-cpf-savings%3Fpid%3Dsg-dbs-pweb-investments-cpf-investment-account-txtlink-investing-your-cpf-savings&3rdparty=%27investing-your-cpf-savings%27) for more details. Where can I find out more information on my shares corporate action event for my CPF Investment Account? Information on shares corporate action event can be found in the SGX website. Refer to Company Announcements, under Company Information. My shares in the CPF Investment Account has a split stock event, when will the shares be credited to my CPF Investment Account? The 'security credit date' information can be found in the SGX website. Refer to Company Announcements, under Company Information. What are the fees and charges involved? How can I withdraw my CPF Investment upon reaching 55 years old? You can withdraw your CPFIA investments and cash balance after setting aside the Full Retirement Sum (FRS) in your Retirement Account (RA). Please submit your application to CPF Board either through online or by mail. The agent bank/product providers will contact you on the transfer of your investments to you.
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