CPF Withdrawal: 2 Ways

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CPF Withdrawal: 2 Ways

August 25th, 2007

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There are 2 ways to withdraw from CPF. Each can be viewed as “easy” or “hard” depending on how you look at it. :)

Let’s first talk about the more straightforward one:

You work diligently and both you and your employer contribute to your CPF accounts (as mandated by law).

Then at age 55, you can withdraw from your Ordinary and Special accounts after setting aside the Minimum Sum, which currently stands at $99,600 but will go up to $120,000 in future. (See Q&A in CPF website.) [Added 1 Sep 2007: You also need to set aside the Medisave Required Amount, which is now $11,500 but will be increased to $25,000 in 2013.]

Then you retire. At what age? It’s been proposed that the official retirement age should be 67. Maybe it’ll be 70 by the time we get older. I don’t know.

It’s only when you reach this official retirement age that you can start to draw down from the Minimum Sum. In effect, you will receive a monthly payout of a few hundred dollars until the balance runs out in about 20 years or so. The government is now considering having a “tail-end” annuity component to help those who, er, continue to live after the balance is emptied.

So what’s easy and what’s hard? In my view, the first withdrawal at age 55 seems “easy”. What is “hard” is the slow stretched-out withdrawal of the remaining Minimum Sum starting at age 62 (or 65, or 67, depending on when the new policies kick in).

Did I say there’s a second way?

Ha. It’s meant to be a tongue-in-cheek “solution”. I believe most of us will not even seriously consider it. Here it is:

Renounce your Singapore citizenship (or permanent residency). That is, emigrate to Australia, US, UK, or wherever. Leave Singapore for good. Only then can you withdraw your CPF in full. (See page on leaving Singapore in CPF website.)

View more comments at Salary.sg Forums


80 Responses to “CPF Withdrawal: 2 Ways”


  1. DK Says:

    Another method is go die and your children will help you withdraw the money. Haha…

    Seriously, I’m not expecting to see those money. They are more like for my children only.


  2. xanatos Says:

    Among my band of friends (those born in the 70′s),we are just waiting to renounce our Singapore citizenship.

    All of us have worked and lived in another country and understand what the government is trying to do by toying with the CPF.

    What is holding us back is our parents. Once their Singapore citizenship “expire”, its time we renounced ours.


  3. leaving Says:

    there are quitters who are hailed as heroes when they come back. they got all their money in CPF and yet are honoured as `good boys’ who come back to serve (read:work in) Singapore. i want to be like one of them.


  4. s1gen Says:

    In the roulette of trying to live past 85 years old, it is unfair to force everyone to contribute to it.

    For most people, renouncing your citizen is not really a choice, but seems to be the ONLY choice as time goes by.

    It is easy to get the press to support why it is good for most. It is easy to set policies to get more to hire older workers. The problem is one of how many really live past 85 and how many employers really hire older workers.

    We live in a competitive old, no business exists for the good of humanity. Grow up and stop painting castles in the air.

    Let the hard working people draw their money. Stop denying them the fruits of their labour.

    If we must do something, why not use the huge reserves to do it? Use the interest/dividend income to fund the “Live pass 85 years old lucky draw”.


  5. Chong Says:

    Before the new policy, CPF make money by being one of the biggestt bank in Singapore. Now, it will be a bank and an insurance company that operate one of the biggest annuity program in the country. Well done the scholars in the public services to come up with this great idea.

    PS: The new policy prompted us to apply for Australia Citizenship now.


  6. cpf_q Says:

    is it possible to withdraw 100% from my cpf if we quit our citizenship or PR? I heard from someone that they allow you to withdraw only some % of total CPF fund. Does anyone has more info on this?

    Is it possible to withdraw money in full from Medisave account as well if we quit our citizenship or PR?


  7. Chong Says:

    Yes. 100%, everything, including medisave, whatever investment in CPF (insurance/shares etc)….


  8. patriot Says:

    is it possible to withdraw everything except the medisave in order to carry on with the medical insurance rather than letting it lapse? thanks.


  9. Bernadette Says:

    Does anyone know how easy or difficult it is for us to renounce our citizenship? Does the relevant govt body make the whole process unduly prolonged and awkward? We desperately need to access our hard earned CPF funds. Please help with advice.


  10. Bernadette Says:

    Can someone please tell me where we go to to apply for renouncement of our Singapore citizenship? Thanks heaps.


  11. Kan Says:

    Application to renounce of Singapore Citizenship

    You MUST a Citizen of another country first before you can even give it up.

    The process is about 6 to 8 weeks upon reciept of application. So in order to answer whether it is hard or easy, depends on where you stand. You can wait until about you are to die to get the money or you can wait 6 to 8 weeks to get your money.

    Follow the following link:
    http://www.mfa.gov.sg/sanfrancisco/...
    for information how to renounce it. Follow procedures exactly

    By the way to those who wish to return to Singapore as a Pernament resident or Citizen, you must pay back every cent that you have withdraw from the CPF.

    It is better to renounce it and come back as a “Foreign Talent” and get paid something like a 6 figure salary.


  12. Kan Says:

    In addition follow this link for application to CPF to withdraw your money
    http://mycpf.cpf.gov.sg/NR/rdonlyre...


  13. Low Says:

    Does anyone know whether there’s a tax imposed when we draw CPF money and leave Singapore for good?
    I heard in some countries, the govt will consider the money you take from retirement acct as income and thus taxable… not sure here. Thanks.


  14. Kan Says:

    Yes, some countries do consider your superannuation as income and thus taxable. You will be needing to find out the tax laws of different countries to find out.

    What do you prefer? To pay the tax and get your money or not to get your money at all? None of the Singaporeans will get to see their money at all. A few miserable hundred dollar every month, it is not enough to buy peanuts in Singapore!


  15. johnkee Says:

    I say CPF is offering quite attractive interest in today’s environment. So leave it there unless you are in need of money like I do. Bottom line, leave Singapore and draw down your own money. The question is when. The minimum sum scheme is designed to let you feed yourself in old age. So any old age withdrawal by renunciation of citizenship is definitely welcomed in the context of Singapore. I wonder why we pay our taxes for?


  16. Han Says:

    Does anyone know whether there’s tax imposed on remittance of CPF to UK? Thanks.


  17. jimmy Says:

    I don’t think CPF will allow you to remit your CPF money directly from your CPF accounts. If somehow you can withdraw from your accounts in cash, then you can remit to wherever you want. The usual remittance fees apply of course.


  18. Shan Says:

    This is great advice but is it easy to obtain citizenship in another country be it Thailand or Australia ?


  19. Lewis Says:

    It’s easy if you’re a professional or have relatives there, not so if you’re in the poorer segment.

    But why did you ask right after National Day? Don’t you have that tingly feeling that

    “This is Home, truly
    Where I know I must be
    Where my dreams wait for me
    Where that river always flows
    This is home, surely
    As my senses tell me
    This is where I won’t be alone
    For this is where I know it’s home”


  20. BH Says:

    Hi, I have two sons who left Singapore when they were 8 and 4 respectively. We have citizenship in another country. However, the boys have been black-listed for not returning to do their NS. My husband and I are about to apply to renounce our citizenship. Does anyone know if our boys’ status will affect our application to renounce our citizenship? We need to extract our funds from CPF so that we can clear our mortgage. Mortgages are absolute killers! I would appreciate advice on this situation. Thanks very much.


  21. anon Says:

    There’s a pianist who came back and only got “slapped” with a small fine for not serving NS. You can get a lawyer to argue about fairness if your boys got worse than a slap, but then again I don’t think your boys are pianists are they?


  22. BH Says:

    Hi Anon, thanks for the response. Sadly, my boys are not professional pianists although one has fared very well on the local circuits. Still, I would love any feedback or advice if anyone has any regarding the likelihood of the Singapore govt using our boys’ status against us and hence, refusing to accept our applications for renunciation of citizenship.

    I look forward to hearing more from the forum. Many thanks.


  23. kimtan Says:

    Hi BH, do you mind sharing how you obtained your new citizenship? Thanks and I wish you success in renouncing your Singapore citizenship – it’s relatively worthless (PRs and “new citizens” are first class here) :)


  24. BH Says:

    Hi KimTan

    My family and I applied for NZ PR many years ago & moved here to live. Subsequently, we were granted citizenship. Now that we have made our home here we do not see ourselves moving back to live in Singapore.


  25. boy Says:

    BH, if you haven’t done so already, try asking at this excellent emigration forum (as with all forums, ignore the noise):
    http://www.sammyboy.com/forumdispla...


  26. boy Says:

    BH, this thread should help:
    http://www.sammyboy.com/showthread....


  27. BH Says:

    I am not sure what you are recommending but my internet watchdog warns that the site you have asked me to visit is classified as a porn site. I am not impressed!


  28. boy Says:

    That particular forum is not what your watchdog says it is. Try viewing that thread I recommended and you’ll know. If indeed it’s not what you want and the info is rubbish, then just close your browser.

    I’m just trying to help.


  29. boy Says:

    The following is an excerpt from the thread, which has lots more good info in my opinion (nothing of the sort your watchdog says):

    “NS Obligations

    Those with boy migrating and who leave these shores before their boys reach the age 11 yrs (the boys) are not obliged to do NS but have to follow the necessary procedures to get exemption. Passports expire at the age of 11 and that should be an indicator.

    Once you have left, do not renew the password, apply for NRIC etc as one is deemed to (have) enjoyed the privileges of citizenship and NS become mandatory.

    At age 13, apply to CMPB for exit visa stating that your family has migrated and the kids (are) enrolled in a school in the new country. No bond is required. CMPB uses an outsourced agency to handle call centre matters and they have no clue about migrant cases. Go directly to CMPB.

    At age 16.5, you need to register for NS (an interesting term as you are actually seeking deferment). You can do it by post to CMPB again citing that you have migrated, acquired new citizenship and the kids (are) schooling. You will be given deferment until the age of 21 where the kid must decide if they want to hold on (to) their Singapore citizensip. If they do, (then) NS must be served. If not, exemption (is) for ever.

    All Singaporeans, male and female cannot renounce their citizenship until age 21, and if they have acquired new citizenship, they will be dual citizens….”

    AND LOTS MORE there. Judge for yourself. I’m not impressed with your watchdog.


  30. boy Says:

    More excellent info from that “undesirable” site:

    “Dual Citizenship

    With many countries moving towards retaining talent, previous restrictions on holding more than one citizenship by a number of governments around the world has been set aside.

    Australia which prior to April 2002, had it in law where Dual Citizenship was explicitly prohibited now allows it and they have gone one step further by allowing ex-citizens to re-apply their citizenship which they previously renounced.

    There is no law in Singapore that prohibits dual citizenship. The law however provides the govt to take it away from you for reasons best known to them. No one has been prosecuted for having dual citizenship. Since there is no law prohibiting it, there is no law allowing for punishment…”


  31. BH Says:

    Hi Boy

    It would seem that I owe you an apology. I am sorry that there seems to be a misunderstanding within the watchdog that we use regarding the site. I am very grateful that you have taken the initiative to set out the excerpts. I have had a rather nasty experience with porn being inadvertently found while searching for seemingly innocent material. Consequently, we have everything filtered at the highest level.

    This information seems rather helpful although it’s always a potential concern when dealing with citizenship type issues in Singapore. We are unable to get clear indications sometimes and am just a tad nervous about the whole proceedings from the time of our application to renounce our citizenship. We have little contact with Singapore and don’ know what red tape measures are in place.

    Appreciate your efforts and the advice. Thanks.


  32. boy Says:

    Hi BH, no worries. As I said, I’m just trying to help. Hope you find my info useful.


  33. BH Says:

    Hi Boy

    Just wanted to let you know that the application to renunciation and subsequent CPF withdrawal went smoother than I could have ever anticipated. Thanks for the support and advice from everyone on this blog. I would like to encourage those who are thinking of going down the same path, to give the matter serious consideration before doing it and then to proceed with confidence when they are sure. Thanks to one and all.


  34. solo Says:

    Those that had sons must be careful. If your boy did not go thru NS, don’t come back less they may get themselves arrested. Better to migrate 1st than give birth.


  35. Danial Says:

    Hi…can I know what is the first step I shall take to renounce my Singapore Citizenship as I intent to move elsewhere? What is the process and the duration time? Thank You


  36. Han Says:

    Danial, have you obtained citizenship elsewhere already? If not, you can’t apply for renunciation. In my case, I find the process relatively simple. Mine was approved within 6 weeks (done last year).
    I assume you already residing overseas. Contact the overseas Singapore consular office or Singapore embassy. Request for the application form for renunciation of citizenship. That application form will tell you what documents required.


  37. renouncier Says:

    Danial, useful info for you:

    http://www.mfa.gov.sg/sanfrancisco/...

    http://www.guidemesingapore.com/sin...


  38. Danial Says:

    Ok…Thank you Han and Renouncier for your help…Ya I currently residindg in overseas and had citizenship here.


  39. Danial Says:

    Hi…do you have any idea about the CPF withrawal ? As I’m not so clear abt the Notary Public or the High Comm offical seal. Where to get that? I have to get it in Singapore or I can do it overseas?


  40. Han Says:

    Danial,

    You can find the form for CPF withdrawal in the CPF Board website FAQ section, select ‘Can I withdraw my CPF…..’.

    It can be done overseas. In my case, it’s also a lot cheaper to use the Singapore High Commission consular service. Just need to pre-book appointment and bring all necessary documents along. Of course you can also go to your solicitor but not every law firm got notarial service. So you need to check.

    You need to get your application for renunciation approved first then can apply to withdraw CPF.


  41. Ravin Says:

    I (Malaysian) used to work in Spore, btw 1993/95, and had made contributions under the CPF scheme. I am now working in Kuala Lumpur, and have no intentions on returning to Spore to work. Is it possible to fully withdraw my CPF saving balance?


  42. Weeny Says:

    Hi BH, i’m thinking of renouncing my Singapore PR , and shall I do it in person in Singapore or in Australia (i’m residing in Australia). If I submit docs thru Australia, it will takes 1 month for approval. I’m not sure if I do it in person in Spore, does the approval takes 1 mth as well or immediate approval? Any comments?

    Rgds


  43. BH Says:

    Hi Weeny

    I’m not sure if you mean citizenship or permanent residency. Either ways, I believe the processing time is almost the same. The only delay might be in Australia where the High Commission might not send the docs through to Singapore until they have gathered enough to justify a mailbag across. that’s what happens here in NZ. However, you have enough of a population there to make a bag up sooner than we would here in Aotearoa. I can’t see any real need to go personally to Singapore to renounce your PR. Just ensure that your docs are complete, forms meticulously filled in and everything safely delivered into the hands of the officials at the High Commission in Australia. Always take a photocopy of every page of every document you are sending because you have to send away the originals. All the best.


  44. Weeny Says:

    Hi BH, thanks for your reply. I’m referring to Singapore PR. Yes, that’s why I’m a bit speptical whehter to do it in person or mail? Yes, my main concern is the processing time and the whether will the mail reach the embassy safely. However, I do appreciate your reply and comments. Thanks again!


  45. lily Says:

    Hi BH, I want to know when you withdraw you CPF, do you need to pay Income Tax (CPF amount) to Singapore govement? you get full amount in your CPF account?


  46. lily Says:

    Hi Boy, The information about NS Obligations is very useful, but I don’t know is same for PR? My son will study oversea, he is PR. He can go NS after he come back.


  47. CPF tax Says:

    CPF withdrawal is not taxable. You get the full amount that you are withdrawing from your CPF balance.

    http://ask-us.cpf.gov.sg/hybrid/The...


  48. lily Says:

    Thank you CPF Tax, from the link I find it. It is real good news, that can save a lot. Thank you again.


  49. Temperance Says:

    How long does the renounciation process take from start to finish? Does the CPF board take a long time to process? I read from the CPF site that it take about 14 days to send the funds to a SG account? Would appreciate pointers from those who have gone this route.


  50. boiling frog Says:

    Hi
    I am a 52 yo out of job ex bank officer. A true blue $ingaporean (with no criminal record etc) trying to jump out of the boiling water but lack the necessary papers/skills to be readily accepted by an English speaking country. This might not be the appropiate site for posing my question but I am seriously desperate enough to consider any suggestion and extend my apology if the subject is not in line with the current discussion. Thanks


  51. To frog Says:

    What is your question? How do you want us to help you?


  52. Ravin Says:

    Is there any way to withdraw your CPF contributions – applying to Malaysians whom are no longer working in S’pore and/or dont have plans to return to work there? Please help!!


  53. BH Says:

    Hi Temperance, In answer to your question, I renounced my citizenship and the Singapore authorities accepted it without any issues. the advice I would give you is that where the questions are odious and multitudinous, don’t let them phase you. They ask for such details as your siblings and your parents’ birth certificate numbers and NRIC nos. It was difficult for us because my in laws pretty much cut their ties with us because we had become Christians and they didn’t approve. We could not have asked them for their intimate details. The overseas high commission advised us to fill the form in as best as we could and write “Information Unavailable” where we could not provide the details. Also, if you are in Singapore, hand the form and personal docs (originals) by hand. It will save you the worry of docs getting lost in the post. The process took about a 5 weeks because we were overseas and the docs and forms had to wait until there was a reasonable number of items to be bulk sent back to Singapore by courier. The money can be sent to your overseas account but there will be a little delay. All the best. Hope this is helpful.


  54. BH Says:

    To Boiling Frog, I am very sad to hear of your predicament. I understand what it is like to feel like a frog slowly boiling in the pot. Please don’t feel discouraged. Many of us had to get out in order to live. I don’t mean in order to survive, but rather, in order that we might live life. I believe Australia and New Zealand have tightened up their immigration policies. However, if you have sufficient funds to start a business, there may be Business Categories in the immigration classification that you might fall under. I know that in these two countries, nurses and nursing aides have better chances of entering the country. Even if you think you are not eligible, take the time to find out for sure. Check with the various embassies/high commissions to see if someone there can help you find a category in which you could fit. Don’t be downhearted. Many have travelled this same road and been at the same crossroad but those who give up in despair, get nowhere. Sometimes you may have to make a brief detour in order to get to your destination. Always, you have to think outside of the box. Take heart & be encouraged. No situation is ever so bad there is no way out. God bless.


  55. boiling frog Says:

    I appreciate and thank BH for the kind words.

    The likelihood of I ever being employed in the same or similar industry in $ingapore is almost nil.

    In view of the age and gender discrimination practised by most employers, even jobs like security guards and food courts(hawker centres) cleaners are being snapped up by “foreign talents”.

    Starting a food business(stall) in $ingapore is tantamount to throwing away good $$$.

    Australia or New Zealand has always being my choice for my “golden years” but in spite of the many eligibility options, I am still not able to meet the requirements.

    Someone once suggested that I can opt to “try out” in Australia in the form of “long term medical care” but I wonder whether will it be detrimental to me should there be a sudden change of policy/ies by the relevant authorities.

    The total withdrawal of my CPF $ is also an underlying agenda for wanting to emigrate.

    I would appreciate if anyone who read this article can offer any other feasible suggestion/s.

    I believe there are many others who are in the same boat too.

    Meanwhile I can feel the water temperature rising but still unable to jump out despite the absence of a lid over the pot.


  56. Temperance Says:

    To BH,

    Thank you for your helpful pointers. Indeed, the process can be very daunting especially since the renounciation form requires that one fills in every past job on one’s resume. I only hope mine will proceed as smoothly as yours. Once again, appreciate the response and tips.


  57. Maya Says:

    Hi All,

    Does anyone here hold Australian citizenship (ex-sporean)? Is the CPF money taxable once they are transmitted into your australian bank account? I am currently an Australian PR and applying for a citizenship seems inevitable. Appreciate your advice.

    Cheers!

    Maya


  58. Yammy Says:

    Yes it will be taxed as savings! For middle income it is around 50% so better keep an off-shore bank account in Singapore.


  59. Maya Says:

    geez 50%! That’s pretty nasty..i have an existing UOB account but will research on alternative off-shore bank acct in Sing. Thanks for your input Yammy!

    cheers
    Maya


  60. SP Says:

    Hi All,

    I have few questions to ask, may someone help. Am Singaporean and applying citizenship as Malaysian. My parents are both malaysian and am 49years old coming to 50years and was born in Malaysia-Melaka. I have bought a bungalow house recently and intend to stay there. At the sametime I have lands left by my late parents. I’ve sold my property in Singapore and leave at my cousin house for time being.

    The main concern that I have is, after I renounce my Singapore citizenship will I be able to withdraw my full CPF money? Thank you


  61. Uma Says:

    Hi there,

    I too have a few questions. I hope someone can give explicit info on my questions. I am a Singaporean, now widowed by my malaysian husband 3 years ago. My children 18, boy, singaporean by birth but malaysian now, 16 girl and 10, girl both born and bred in malaysia are living with me in Perak for the past 19 years. I have about sgd22,000 in cpf ordinary a/c and sgd3700 in medisave a/c, which i wish to withdraw for my kids’ education expenses. Being a single mother is not easy. I have obtained pr here in malaysia. I was told i can get red ic in a few months. I hope u can give me indication as to how i can withdraw my cpf in any way possible.


  62. no hope Says:

    i reaching 55 in 2 years time,bought a house in indonesia batam but am not citizen there yet. Anbody know what e procedure to apply and how long will it take? I wanna withdraw all my cpf out of singapore and enjoy a carefree life instead of monthly payout of few hundred dollar(like begger) before to my deathbed. Please advice.


  63. Leong Says:

    I have migrated to Australia a couple of years ago, and finally decided to renounce my Singapore PR and take out my CPF money. I was told that the full amount withdrawn from CPF is considered as income for that year, hence taxable. If the amount is small, A$15,000 or less, then you pay no tax to Australian tax office. But if you have $500,000 then half of that will go to the tax office. Is it true?

    The trick is, if you withdraw the money and take it with you when migrating to AU, or within the first few months, then it is not taxable. Can somebody shed some lights on this?


  64. Leong Says:

    Trick #2: if you take out the CPF money but deposit some or all of it into another retirement fund of another country, then that amount is not taxable by ATO, but the remainder that you take into AU as cash would be taxable. Hmmm…


  65. Yammy Says:

    A retirement fund in another country is the worst you can do…They are even less flexible than CPF. Off-shore bank account is the way to go.


  66. to Yammy Says:

    Any pointers as to how to open an off-shore account? What is the usual requirement? 10mio?


  67. Deepa Says:

    I am a PR and moved to US recently, my PR will be expiring in few months. I would like to know if the entire CPF money is taxable in US.


  68. Miura Says:

    Yes CPF will be taxed when brought to the US.
    In fact you need to declare interest earned in the CPF account in Schedule B in IRS form even if you cannot withdraw the CPF interests and you need to pay tax on the interest earned.


  69. PKM Says:

    I left singapore in 2007 and staying in india, and have valid PR till 2013. At present i am not NRI in india. if i withdraw money from CPF, does that attract tax in india.


  70. Ah neh Says:

    Yes it does but you can bribe some tax officials to get out of that…


  71. to an neh Says:

    To ah neh
    where did you get the information that CPF withdrawn will be taxed in India?

    To PKM
    If An neh is correct , there is no way to escape the tax.
    Unless you take the illegal / criminal route !! You need to find a friend in SG foolish enough to accept your SGD and pay you in rupees in India.

    If you happen to come across any legal workaround , please let the forum know.


  72. ah thai Says:

    hi every1

    I wanted to check with u all. i’m married with a thai wife, residing in singapore n she got PR. we had a baby girl. wanted to leave singapore for good n staying at thailand is it possible for us to drop my citizen n PR. i haven gotten my thai PR is it possible to drop.


  73. Tracy CTH Says:

    Hi

    I am Msian from sabah and having Spore PR. Planning to go back msia for good. How long it takes to renounce PR and get the CPF? Can I get full amount and will it be taxable?


  74. tracy cth Says:

    Hi

    I am Msian from sabah and having Spore PR. Planning to go back msia for good. How long it takes to renounce PR and get the CPF? Can I get full amount and will it be taxable?


  75. Christopher Says:

    Hi sir,
    I am sg pr(44yo), thinking withdraw pr @ 50yearold.
    If i wihdraw pr, my family under my sponsor also need to withdraw?
    I have 1 son(14yo) and 2 daugther( 6 and 12 yo) study in singapore.

    My son need serve NS after 16yo.
    My children can choose to remain pr or they can apply by them self if they want?


  76. AA An Says:

    I think now the law change you can’t get your cpf at 55yo


  77. Tan Chui Ling Says:

    Already 56 years need some funds for urgency use instead of getting help from so & so…. I don’t have a understanding husband. Which I do not like to take $ from him. I find very stress… where to get help for emergency use.

    Can I withdraw some CPF money to assist me at this moment of times. At the moment having teeth & gum problems cash not enough hv to pay electric bill, conservancy fees, telephone bill, children pocket money, busfare etc etc. Can I seek help


  78. Kee Chew Says:

    Who did you vote for last election? You get what you voted for… Vote wisely in GE2016 if you ever want to see your CPF money back.


  79. Dominic Says:

    Hi. Can anyone advise on the best way on obtaining a citizenship
    in any other country as I just want to get out of SG. Any country will do n what must be done to obtain this citizenship. Please advice asap. Thks


  80. zal Says:

    Hi i’m 28 i want to renounce my singapore citizen can i withdraw my cpf money. Please give me some advice. Thank u.

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