--- title: Ex-CPF Deputy CEO Reveals His Retirement Strategy, CPF, SRS and More. [Chills 227 ft Chin Heng Soh] description: Join The Financial Coconut for insights on personal finance, investing, and wealth-building strategies. Start your path to financial literacy today! image: https://www.thefinancialcoconut.com/hubfs/Chills%20227.png --- [Skip to content](https://www.thefinancialcoconut.com/blog/chillswithtfc-227#main-content) [![Full\_COlour](https://www.thefinancialcoconut.com/hs-fs/hubfs/Full_COlour.png?width=456&height=80&name=Full_COlour.png)](https://www.thefinancialcoconut.com/) - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) Open main navigation Close main navigation - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) - [Contact us](https://www.thefinancialcoconut.com/contact-us) [Contact us](https://www.thefinancialcoconut.com/contact-us) Jul 31, 2025, 7:10:31 PM # Ex-CPF Deputy CEO Reveals His Retirement Strategy, CPF, SRS and More. \[Chills 227 ft Chin Heng Soh\] ![Picture of The Financial Coconut](https://www.thefinancialcoconut.com/hs-fs/hubfs/Square%20(2)-3.png?width=50&name=Square%20(2)-3.png) [The Financial Coconut](https://www.thefinancialcoconut.com/blog/author/the-financial-coconut) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.thefinancialcoconut.com/blog/chillswithtfc-227) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/chillswithtfc-227) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/chillswithtfc-227) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/chillswithtfc-227) [![Follow The Financial Coconut](https://no-cache.hubspot.com/cta/default/46975693/interactive-182431637553.png)](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLL2CjCe42iR2RH2MpVX0Ej%2BKJQ%2F3A0Z7pXnUs35To%2Bo6nbKcpBVq9I98X5NUungVEwfs5YCKuM%2FaP97VxIITkTlihT57%2F%2F4XDW9rT3VR4MatSLDi%2BMU5mbQqihfX3LRRz83ij8K19OiD8UXy8sdct4t0Q%3D%3D&webInteractiveContentId=182431637553&portalId=46975693)   CPF suffers from a universal problem: complexity. People either ignore it, misunderstand it, or build their 'financial house' on shaky ground.. Get a peek behind the curtain from someone who not only helped design the CPF system but also manages his own daily finances (and CPF money) within it. Our guest is former Deputy CEO of CPF – Mr. Chin Heng Soh, who will share more on: - Why CPF is both a powerful foundation and a double-edged sword for Singaporeans. - The boring-but-brilliant investment strategy he swears by (hint: it’s not stocks!). - Critical gaps in healthcare/insurance planning most people overlook. - How to turn policy complexity into your advantage. Mr. Soh isn’t just a policy insider—he’s a counselor, financial trainer, and self-proclaimed "boring investor" who’s survived market chaos. He’ll show you how to simplify your financial life and achieve true independence—no jargon, just real talk. Tune in to find out if your money is working as hard as his! **What We Discuss:** - [04:37](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=277s) - Why did you choose to stay so long in CPF instead of rotating? - [09:18](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=558s) - What drove CPF's shift to life policies, and are they still relevant? - [14:01](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=841s) - How are you and your wife approaching IP plans and rider choices? - [18:18](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=1098s) - How do you plan your finances with CPF as part of the strategy? - [21:25](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=1285s) - How do you approach CPF investing given the low average returns? - [26:24](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=1584s) - How do you manage your mortgage, property, and OA together? - [31:49](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=1909s) - How do you manage income that isn’t part of the CPF system? - [33:37](https://www.youtube.com/watch?v=s8_2tOsG0zE&t=2017s) - Why wouldn’t you fully invest your SRS funds for maximum returns? **Episode Resources:** - [Spotify](https://linktw.in/dJHBau) - [YouTube](https://linktw.in/TFZUUp) - [Apple podcast](https://linktw.in/EwHmlF) New episodes every [Thursday](https://www.thefinancialcoconut.com/blog/tag/chills-with-tfc) Share us your thoughts on this episode and let us know what do you want to hear next. 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