The Straits Times 4 misconceptions the young have on CPF Some young people distrust the retirement scheme because they think it's meant to 'lock up' their money The students seem to have this idea that since they cannot touch the money, they might as well use it to invest.ST PHOTO: ONG WEE JIN New: Gift this subscriber-only story to your friends and family https://str.sg/3Zp7 They can read the article in full after signing up for a free account. Share link: Or share via: Sign up or log in to read this article in full Sign up All done! This article is now fully available for you