Perceptions are the truth

There never seems to be a bad time to invest..
As such, u can see why im so rich and i cant finish the money residing in my bank.

Apparently, the above 2 individuals believes that investing the money in CPF can be a more rewarding experience than just leaving it in CPF to attract the ~4% interest.
Judging from the table above, it seems that over a 10 year period (nevermind the uncertainty and dynamic marco environment), investing your money can make you a substainal amount more than what CPF can offer you which begets the qns if my dearest govt is shortchanging me by offering me such low interest rates.

I have a not verysmart friend who invested in these funds about 5 years back.. He invested when the economic cycle was on its way up. 5 years of boom and all he got was a 10% return. Thats plain lousy because leaving it in CPF would have garner about the same returns without paying these so called finacial advisors.

In retrospect, Is it better to leave the money in the fund (keeping in mind the views of the above 2 experts) or withdraw it and allow it to accumulate interest in the CPF account now?

Sigh..
Theres never a good time to invest..

Regards
Investor.