The CPF interest rate for the Ordinary Account (OA) is computed based on the 3- month average of major local banks' interest rates, subject to the legislated minimum interest of 2.5% per annum. The interest rate for OA is reviewed quarterly.

The CPF interest rate for Special (SA) and Medisave Account (MA) is computed based on the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1%, subject to the current floor interest rate of 4% per annum. The interest rate is reviewed quarterly.

To enhance the retirement savings of Singaporeans, the CPF Board pays extra interest on the first $60,000 of your combined CPF balances (capped at $20,000 for Ordinary Account (OA)). You could receive up to 6% on a portion of your CPF balances. Please note that the first $20,000 in your OA and the first $40,000 in your SA need to be set aside prior to investing OA and SA monies.

This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

This document is for information only and does not constitute investment advice or a recommendation and was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. This document may not be reproduced, distributed or published without prior written permission from Franklin Templeton

Any research and analysis contained in this document has been procured by Franklin Templeton for its own purposes and may be acted upon in that connection and, as such, is provided to you incidentally. Although information has been obtained from sources that Franklin Templeton believes to be reliable, no guarantee can be given as to its accuracy and such information may be incomplete or condensed and may be subject to change at any time without notice. Any views expressed are the views of the fund manager as of the date of this document and do not constitute investment advice. The underlying assumptions and these views are subject to change based on market and other conditions and may differ from other portfolio managers or of the firm as a whole.

There is no assurance that any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets will be realized. Franklin Templeton accepts no liability whatsoever for any direct or indirect consequential loss arising from the use of any information, opinion or estimate herein.

The value of investments and the income from them can go down as well as up and you may not get back the full amount that you invested.

Past performance is not necessarily indicative nor a guarantee of future performance of the Fund. Subscriptions may only be made on the basis of the most recent Prospectus and Product Highlights Sheet which is available at Templeton Asset Management Ltd or authorised distributors of the Fund. Potential investors should read the details of the Prospectus and Product Highlights Sheet before deciding to subscribe for or purchase the Fund. This shall not be construed as the making of any offer or invitation to anyone in any jurisdiction in which such offer is not authorised or in which the person making such offer is not qualified to do so or to anyone to whom it is unlawful to make such an offer. In particular, the Fund is not available to U.S. Persons and Canadian residents.

The Fund may use or invest in financial derivatives.

CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.

Investors may wish to seek advice from a financial adviser before making a commitment to invest in shares of the Fund. In the event an investor chooses not to seek advice from a financial adviser, he/she should consider whether the Fund is suitable for him/her.

Indices are unmanaged, and one cannot invest directly in an index. They do not reflect any fees, expenses or sales charges. 

In addition, a Summary of Investor Rights is available from Summary of Investor Rights (franklintempleton.sg). The summary is available in English.

Important data provider notices and terms available at www.franklintempletondatasources.com. 

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Issued by Templeton Asset Management Ltd, Registration Number (UEN) 199205211E.