A guaranteed 4% return is a tough benchmark to beat, which is why Singapore's CPF Special Account (CPF SA) remains a cornerstone of local financial planning. So here's the question: Can S$30,000 in stocks turn into something that consistently tops that 4%? Why the CPF Special Account Is Such a High BenchmarkThe CPF remains Singapore's financial bedrock, guaranteeing 2.5% on the Ordinary Account and 4% or more on Special, MediSave, and Retirement Accounts. Can Stocks Beat 4% Over the Long Term? In early years, the gap between a 4% CPF SA rate and a 6% to 8% stock return seems modest.