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How to calculate your CPF 35% stock limit? Use a Calculator!

There is this CPF rule that you can invest only up to 35% of your CPF monies in the stock market. If your 35% is less than $20k, then you can’t invest any at all, as the 1st $20k in your CPF is locked.

I currently hold CPF-bought stocks, and have made money buying and selling, and through collecting dividends. Because CPF monies are pretty much stuck till the age of 55, the ability to hold is there.

However, this 35% limit has caught me off guard about 3-4 times now. I wasn’t really sure how it was being calculated, and seeing money left in my CPF Investment Account, I assume I could repurchase more stocks. Each of these 3-4 times I was wrong, and was forced to pick up some lots in cash. These cash stocks were later liquidated at a small loss, as I had no holding power.

One time, I sold stocks and bought it back at a lower price on the same day. Transaction was converted to cash sale. Asked broker, and he said that I have to wait for the next day before buying back.

The last straw was I sold off 4 lots of stock amounting to $10+k, and buying 3 lots of stock amounting to $9+k (the next day as advised), and was told again that I had exceeded the limit.


I’ve been googling on how this 35% is actually being calculated, and have come across sites like lioninvestor, CPF site and fundsupermart.

But the the simplest and quite automated solution is this:

Use CPF’s Stock and Gold limit Calculator!

Hopefully, that’ll be the last time I get the call telling me to fork out more cash!

** Note, CPF monies used to pay for your property is NOT included in calculations for investible amount. Thus, if your monthly mortgage is greater than your current contributions, your investible limit will get less and less. I think that was my problem.

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One Response to “How to calculate your CPF 35% stock limit? Use a Calculator!”

  1. Mike Daniel Says:

    Very interesting though I’m impressed through the way you allocated about calculate your CPF 35% stock limits. Thanks mate and keep it up.

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