SINGAPORE - Why can't Central Provident Fund returns be higher?
Why must the drawdown age be pushed back? Is the CPF money yours?
These questions have dominated the online sphere but some were also tabled by Members of Parliament.
Yesterday, Manpower Minister Tan Chuan-Jin drew out the choices that have to be made and the inherent balancing act.
If Spider-Man had his great power and great responsibility speech, then the superfund, commonly referred to as CPF, has this - higher returns mean higher risks.
"We all know that with higher returns come higher risk. If we have funds and there's a downturn in the market at the point of withdrawal, would it affect your returns?
"You can always smoothen it out, but that would always affect returns ultimately," said Mr Tan in Parliament yesterday.
He said the 2.5, 4 and the plus-1 per cent extra interest on the first $60,000 in every member's account, are rates that are far higher than the equivalent rates provided by similar products in the market today.
But what of those who have been arguing for higher returns without higher risks?
"If there are people who can assure us that they can get high returns with low risks, do let me know. I would like to be their friend.
"There are many people who believe they can get high returns, but it does not happen in real life," said Mr Tan.