When you buy CPF you're spending 120 dollars to get 100 dollars worth of stock (CPF mostly owns U.S. stocks). Every month they sell some assets (at $4.21) to pay the dividend.
Why don't you buy 125 dollars worth of stock with your 125 dollars? If you want you can sell some every month.
The dividend is paid out of money that comes from selling it assets at their actual value which is 4.21.
If the company is selling at 4.21 why do you want to own shares that cost 5.24.
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