Singapore's Central Provident Fund earns 4% in the special retirement account. For Singaporeans and permanent residents it is one of the best-structured savings tools in the world. For US taxpayers in a 37% federal bracket, 4% minus tax is 2.5% in a system that also has PFIC classification issues, restricted investment access, and reporting complexity under US tax law. The Roth conversion is almost always the better use of that energy. This is general education, not personalized advice. Consult a cross-border financial professional.

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