CPF account check

I have used some of my CPF to invest since 2008. By far the largest item I have purchased is STI ETF, which has done well of late and has been giving regular 3.5%+ dividends every year, which is higher than the 2.5% CPF-OA interest rate. I also have 3 unit trusts, all by First State: Bridge, Asia Growth, and Regional China, and 2 stocks in CPF: Frasers Centrepoint Trust and Comfort Delgro

Back in 2008, there weren't many options and I used unit trusts to diversify, otherwise I would be SG concentrated with STI ETF and stocks. If I had to start all over again, it doesn't make sense to buy any product with more than 1% expense ratio, but inertia has prevented me from doing house-keeping of my CPFIS account.

For 2026, my resolution is to reorganise my CPF holdings and to exit these high cost unit trusts which have done their job in that their CAGR is well above the CPF 2.5% interest rate. So before I clean up my CPF investments, I did a calculation of my CPF total: OA+SA+MA+CPFIS:  $1.68m.