CPF savings to earn higher interest

In a nutshell.

b. CPFB will pay higher interest, up to a cap
i. 1 percentage point more
(1) On first $20,000 in your Ordinary Account
(2) And on up to a total of $60,000 on your combined Accounts (i.e. OA + SMRA)
ii. More than half the active members will get 1% more on all their balances
iii. You can still use the $60,000 for housing or medical expenses
iv. But not to take out to invest on your own (through CPFIS)
c. Beyond $60,000, maintain status quo
i. If you have this much, you should be able to look after yourself
ii. Can invest money yourself through the CPFIS

so its OA from 2.5%-->3.5% SMRA from 4%-5%?

and it means i cant have have CPF-linked investment anymore.. which fetches an even higher rate of interest on MY money but looking at it from a MORE positive point of view, it is RISK-FREE.
My investment was in the red for almost half a yr before picking up and its dependent on market fluctuations.

Summary of CPF Changes
16. Three major changes to the CPF:
a. Higher CPF interest – 1% more on first $60,000(not applicable for investment)
b. Later DDA(draw-down age) – from 62 to 65 (whereby you recieve monthly payout from CPFB out of your minimum sum)
c. Compulsory annuities(montly payout by an insurer) – for those now below 50(montly payout by an insurer)

and minimum sum is set at $99,600 before you can even cash out the balance at age 55.
i wonder if i ever will have THAT much minimum sum in my CPF with everything rising in price EXCEPT my paycheck.

Better to make back-up plans BESIDE relying on CPF.