- Joined
- Jul 10, 2008
- Messages
- 63,843
- Points
- 113
So you admit that the CPF lacks transparency, has a poor structure, and has poor returns.
In the eyes of Singaporeans, CPF is a flop for the above reasons. I view CPF in a different light because despite of its flaws, it is still so much better than what I have to put up with in NZ.