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CPF Facts and Fallacies<p>​From time to time, members may come across claims or assertions about the CPF that are incorrect. We have placed the following materials on this page to help members separate fact from fallacy, and gain a better understanding of the CPF system. You can also find more information at our <a href="/Members/Schemes">CPF Schemes</a> section and at the <a href="/members/faq/schemes/retirement/cpf-life">Frequently Asked Questions</a> section.</p><p> </p>​ <br>​ <table width="100%" class="cpf-table cpf-form-table "><thead><tr><th>​CPF Minimum Sum <sup><strong>1</strong></sup></th></tr></thead><tbody><tr><td> <a href="https://www.areyouready.sg/YourInfoHub/Pages/Factcheck---FAQS-on-CPF.aspx">FAQs on CPF</a> (Minimum Sum) (Straits Times, 31 May 2014) </td></tr><tr><td> <a href="https://www.facebook.com/notes/imavvy/8-things-about-the-minimum-sum-you-should-know/10154186710740177">8 Things About The Minimum Sum You Should Know</a> (Are You Ready by CPF Board Facebook Page, 30 May 2014) ​</td></tr><tr><td><div> <a href="http://bit.ly/1kfdYJC">The Truth About Our CPF and the Minimum Sum</a> (Manpower Minister’s blog post, 25 May 2014) ​</div></td></tr><tr><td><div> <a href="https://www.facebook.com/notes/singapore-ministry-of-manpower/clarifying-misperceptions-about-cpf/644490295599471">Clarifying misperceptions about CPF </a>(MOM’s Facebook Page, 11 April 2014) </div></td></tr></tbody></table> <br> <table width="100%" class="cpf-table cpf-form-table "><thead><tr><th>​CPF Housing</th></tr></thead><tbody><tr><td> <a href="https://www.facebook.com/#%21/notes/imavvy/8-things-you-should-know-when-using-cpf-for-property/10154443613615177">8 Things You Should Know When Using CPF for ​Property​</a> (Are You Ready by CPF Board Facebook Page, 8 August 2014) </td></tr></tbody></table> <br> <table width="100%" class="cpf-table cpf-form-table "><thead><tr><th>​CPF Nomination</th></tr></thead><tbody><tr><td> <a href="https://www.gov.sg/factually/content/what-happens-to-your-cpf-savings-when-you-pass-away">What happens to your CPF savings when you pass away?</a> (Factually, 17 June 2017) ​<br> </td></tr><tr><td> <a href="https://www.facebook.com/?sk=h_nor#%21/notes/imavvy/8-things-you-should-know-about-your-cpf-nomination/10154318213195177">8 Things You Should Know About Your CPF Nomination</a> (Are You Ready by CPF Board Facebook Page, 4 July 2014) ​<br> </td></tr></tbody></table> <br> <table width="100%" class="cpf-table cpf-form-table" style="height:242px;"><thead><tr><th>CPF in general</th></tr></thead><tbody><tr><td rowspan="1">​<a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-Are-CPF-funds-mismanaged.aspx">Are CPF funds mismanaged?</a> (Factually, 15 May 2016)  </td></tr><tr><td> <a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck---Ensuring-Safe-and-Fair-CPF-Returns.aspx">Ensuring safe and fair CPF returns</a> (Straits Times, 11 July 2014)​</td></tr><tr><td rowspan="1"> <a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-%27Fair-and-safe%27---Tharman-Tells-How-CPF-Rates-Are-Set.aspx">​’Fair and safe’ - Tharman tells how CPF rates are set</a> (Straits Times, 9 July 2014) </td></tr><tr><td rowspan="1"> <a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-CPF-Debate-Must-Reflect-Policy-Realities.aspx">​CPF debate must reflect policy realities </a>(Business Times, 6 June 2014) </td></tr><tr><td rowspan="1"> <a href="/Assets/common/PublishingImages/CPFHowItWorks.jpg" target="_blank">​CPF: How It Works</a> (JPG, 0.2MB) (Business Times infographic, 6 June 2014) </td></tr><tr><td rowspan="1">​<a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-Hunt-For-Higher-CPF-Yields-Entails-Trade-offs%2c-Risks.aspx">Hunt for higher CPF yields entails trade-offs, risks </a>(Business Times, 6 June 2014) </td></tr><tr><td rowspan="1"> <a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-CPF-Monies-Not-Used-For-Govt-Spending%2c-Ministry.aspx">​CPF monies not used for Govt spending: Ministry </a>(Straits Times, 31 May 2014) </td></tr><tr><td rowspan="1">​<a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-CPF-Interest-Rates-%27Better-Than-Market-Alternatives%27.aspx">CPF interest rates 'better than market alternatives</a>' (Straits Times, 30 May 2014) </td></tr><tr><td rowspan="1"> <a href="https://www.areyouready.sg/YourInfoHub/Pages/FactCheck-Irrational-To-Expect-Both-Low-Risk-And-High-Returns.aspx">​Irrational to expect both low risk and high returns</a> (Straits Times, 30 May 2014) </td></tr></tbody></table>​ <br> <p> <br> <span style="font-size:0.9em;"><sup>1</sup> Minimum Sum Scheme is now known as Retirement Sum Scheme.</span></p>CPF Facts and FallaciesTrueFalseTrue

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