In a commentary responding to the gripes in social media recently about the inadequacy of CPF’s compulsory savings scheme, SMU Associate Dean (Specialised Masters Programmes) and Professor of Finance Benedict Koh suggested that the CPF Investment Scheme could be modified to help financially illiterate members make better investment decisions. He added that a key solution to achieving retirement adequacy in Singapore is to develop a market mechanism to unlock home equity. Another solution suggested by Prof Koh is to help CPF members grow their cash savings more rapidly through higher-yielding investment instruments.