Can you invest better than CPF?

You can get the answer very easily.

Personally, you contribute 20%. Employer contributes 16%. By right, you should be left with 80% as take-home pay.

Alright, so it's 80% in your bank vs 36% in the CPF account.

Do you twice the amount in cash as compared to CPF?

Alright, I forgot to deduct your monthly expenditure, let's say you spend 50%, so you're left with 40% of the salary that you actually save.

Now, does your bank savings match your CPF? Are you investing better than CPF?