We Checked Every Bank and REIT We Cover Against CPF SA. Most of Them Lost. 🦖
We Checked Every Bank and REIT We Cover Against CPF SA. Most of Them Lost. 🦖
🔍 The Angle
Everyone treats CPF SA as the boring background rate, but when I actually stack DBS, OCBC, UOB, the big REITs, and SGX against a 4.7% equity hurdle, almost all of them fall short on today’s prices. The surprise is not that weak names fail, it is that fortress banks and blue chips now look expensive once you benchmark them against what CPF quietly pays you for free. That gap between “safe reputation” and “actual yield versus CPF” is where most retirement portfolios are bleeding without realising it.
💰 What It Means For You
If your CPF SA is compounding at 4% and cash in DBS or SingTel is only throwing off 3 to 4% at current prices, you are taking equity risk for less income than the government is already paying you. Once you add a real premium for that risk, my 4.7% hurdle turns DBS, OCBC, UOB, Parkway Life REIT, SGX, and SingTel into timing questions rather than automatic buys, because the yield is no longer clearly ahead of CPF. The core retirement pot that has to pay your future bills deserves that kind of forensic treatment, long before we even talk about upside or price charts.
📺 YouTube: https://youtu.be/XGvUABWUlwo
📩 Substack: https://investingiguana.com/p/we-checked-every-bank-and-reit-we
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