Positioning Investment Portfolios Post U.S. Election Obama is re-elected as the U.S. President; his immediate daunting task is solving the conundrum of a fiscal cliff at the end of 2012, when the terms of the 2011 budget control acts kick into effect on 1 Jan 2013. With the end of tax cuts and breaks for businesses as well as spending cuts coming into effect, the Fiscal cliff may drag the US economy back into recession. Faced with lackluster domestic and global economic growth, how will Obama tackle these problems? And how will his strategies impact the stock, commodity and currency markets?Financial Planning 101: CPF Voluntary ContributionsUnlike the CPF Minimum Topping-up Scheme whereby CPF members are only allowed to top up their Special or Retirement account, the Voluntary Contributions Scheme allows CPF members to top-up the CPF Ordinary, Special as well as the Medisave accounts. Members may also choose to just top-up their Medisave account. Besides the number of accounts allowed for top-ups, what other features are there in the Voluntary Contribution scheme? And how can members utilize the top-up funds?