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CPF LIFECPF LIFE<p> <b>What is CPF LIFE?</b> </p><p>The CPF <b>L</b>ifelong <b>I</b>ncome <b>F</b>or The <b>E</b>lderly (CPF LIFE) Scheme provides Singapore Citizens and Permanent Residents with a monthly payout for as long as they live.​ </p><div class="cpf-alert-info"> <strong>Note: CPF LIFE Escalating Plan will be available from January 2018</strong></div>TrueTrueTrue

 

 

 

 

CPF LIFE Payout Estimator CPF LIFE Payout Estimator <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/LifePayoutEstimator/LifePayoutEstimator" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Life_Estimator.asp</a>
D-Bonus and V-Bonus Calculator D-Bonus and V-Bonus Calculator <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MinimumSumDAndVBonusCalculator/MinimumSumDAndVBonusCalculate" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">deferment_bonus_cal.asp</a>
CPF Withdrawal CalculatorCPF Withdrawal Calculator<a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/CpfWithdrawalCalculator/CpfWithdrawalCalculator" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">wdl_cal.asp</a>
Ordinary Account - Special Account Savings Transfer Calculator Ordinary Account - Special Account Savings Transfer Calculator <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/OAToSATransfer/OAToSATransfer" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">oa2sa_cal.asp</a>

 

 

 

 

 

 

 

 

 

 

CPF Retirement BookletCPF Retirement Booklet<a href="/Assets/members/Documents/CPF_Retirement_Booklet.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">CPF_Retirement_Booklet.pdf</a><p>(PDF, 1.8MB)</p> <p>Read the CPF Retirement Booklet for more CPF information when you reach 55 years old.</p><a href="/Assets/common/Documents/RetirementBooklet_Thumbnail.jpg"><img alt="" src="/_layouts/15/IMAGES/icjpg.gif">RetirementBooklet_Thumbnail.jpg</a>

 

 

Turning 55 in 2017Turning 55 in 2017<a href="/Assets/common/Documents/55_in_2017.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">55_in_2017.pdf</a><p>(PDF, 0.2MB)</p> <p>​View the Turning 55 in 2017 Infographic to learn more about what happens to your CPF accounts when you reach age 55 in 2017</p><a href="/Assets/common/Documents/ResourceThumbnails/Turning55_in_2017_thumbnail.jpg"><img alt="" src="/_layouts/15/IMAGES/icjpg.gif">Turning55_in_2017_thumbnail.jpg</a>
Turning 55 in 2018Turning 55 in 2018<a href="/Assets/common/Documents/55_in_2018.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">55_in_2018.pdf</a><p>(PDF, 0.2MB)</p> <p>View the Turning 55 in 2018 Infographic to learn more about what happens to your CPF accounts when you reach age 55 in 2018</p><a href="/Assets/common/Documents/ResourceThumbnails/Turning55_in_2018_thumbnail.jpg"><img alt="" src="/_layouts/15/IMAGES/icjpg.gif">Turning55_in_2018_thumbnail.jpg</a>

 

 

Application for CPF LIFE Plan<a href="/Assets/members/Documents/FORM_LIDAPP1.pdf" target="_blank" title="Application for CPF LIFE Plan"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application for CPF LIFE Plan</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/LifeApplication/Index" title="Application for CPF LIFE Plan"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application for CPF LIFE Plan</a>FORM LID-APP(1) (PDF, 0.5MB)<br>00
Application for CPF Withdrawal for Members 55 And Above<a href="/Assets/members/Documents/FORM_RWD55.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application for CPF Withdrawal for Members 55 And Above</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/WithdrawalAtAge55/CoverPage" title="Application for Withdrawal for Members 55 and Above"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application for Withdrawal for Members 55 and Above</a>FORM RWD-55 (PDF, 1.0MB)<br>00
Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members) - Cash top-up<a href="/Assets/members/Documents/Form_RSSTP.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members)</a><a href="https://www.cpf.gov.sg/eSvc/Web/Miscellaneous/Cashier/ECashierHomepage" title="Application to Make Top-Ups Under the Minimum Sum Topping-Up Scheme (For members)"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Make Top-Ups Under the Minimum Sum Topping-Up Scheme (For Members) - Cash Top-up</a><p>FORM RSS-TP (PDF, 1.2MB)<br></p><p> <span style="font-size:0.9em;">Please refer to the options below to make Cash top-up. If you wish to top up via OCBC internet banking, please follow these steps, Login > My Requests > Building Up My / My Recipient's CPF Savings</span></p>10
Withdraw Retirement Account Savings with Sufficient CPF Property Charge<a href="/Assets/members/Documents/FORM_RW_PTYWDL.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw Savings Above Basic Retirement Sum from Retirement Account [for Property Owner with Sufficient CPF Property Charge]</a><p>FORM RW/PTY-WDL (PDF, 1.0MB)<br></p>00
Application for Additional Annuity under CPF LIFE<a href="/Assets/members/Documents/FORM_LIDAPP1A.pdf" target="_blank" title="Application for Additional Annuity Under CPF LIFE"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application for Additional Annuity Under CPF LIFE</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/LifeAdditionalAnnuityApplication/Index" title="Application for Additional Annuity Under CPF LIFE"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application for Additional Annuity Under CPF LIFE</a><p>​FORM LID-APP(1A) (PDF, 0.4MB)<br></p>00
Change Bank Details (For members 55 and above)<a href="/Assets/members/Documents/FORM_RWD78A.pdf" target="_blank" title="Request to Change Bank Details for Members 55 and Above"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Change Bank Details (For members 55 and above)</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/ChangeMyBankAccountDetailsWithdrawalTransactions/ChangeMyBankAccountBankDetailsLandingPage" title="Request to Change Bank Details for Members 55 and Above"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Change Bank Details (For members 55 and above)</a>​FORM RWD78A (PDF, 0.6MB)00
Withdraw Retirement Account Savings with HDB Property Pledge<a href="/Assets/members/Documents/Form_RW_HDBPTY.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Form_RW_HDBPTY.pdf</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/PledgeMyHdbProperty/Index" title="Application to Pledge HDB Property Under the Minimum Sum Scheme"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Pledge HDB Property Under the Minimum Sum Scheme</a><p>FORM RW/HDB-PTY (PDF, 1.4MB)<br></p>00
Withdraw Retirement Account Savings with Private Property Pledge<a href="/Assets/members/Documents/Form_RW_PTE_PTY.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Form_RW_PTE_PTY.pdf</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/PledgeMyPrivateProperty/PledgeMyPrivatePropertyIndex" title="Application to Pledge Private Property Under the Minimum Sum Scheme"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Pledge Private Property Under the Minimum Sum Scheme</a><p>FORM RW/PTE-PTY (PDF, 1.8MB)<br></p>00
Application to Start CPF LIFE Payout<a href="/Assets/members/Documents/FORM_LIDDE2.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Start CPF LIFE Payout</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/ApplicationToStartCpfLifePayout/Cover">Application to Start CPF LIFE Payout</a><p>​​FORM LID-DE2 (PDF, 0.1MB)<br></p>00
Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members) - CPF transfer to recipient’s RA/SA<a href="/Assets/members/Documents/Form_RSSTP.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members) - CPF transfer to recipient’s RA/SA</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MakeTopUpToCpfSavings/Index?mode=Cpf&account=Retirement"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Application to Make Top-Ups Under the Minimum Sum Topping-Up Scheme (For Members) - CPF transfer to recipient’s RA</a><p>FORM RSS-TP (PDF, 1.2MB)<br></p><p> <span style="font-size:0.9em;">Please login to make CPF transfer to your CPF account. Login > My Requests > Building Up My / My Recipient’s CPF savings</span></p>00
Application to Start Monthly Payouts under CPF Retirement Sum Scheme<a href="/Assets/members/Documents/FORM_RSS30.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Start Monthly Payouts under CPF Retirement Sum Scheme</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MonthlyPayoutsFromMyRetirementAccount/BeginRequest" title="Application for Monthly Payouts Under CPF Minimum Sum Scheme"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application for Monthly Payouts Under CPF Minimum Sum Scheme</a><p>​FORM RSS30 (PDF, 0.9MB)<br></p>00
Application to Defer CPF LIFE Payout<a href="/Assets/members/Documents/FORM_LIDDE1.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Defer CPF LIFE Payout</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/ApplicationToDeferCpfLifePayout/Index">Application to Defer CPF LIFE Payout</a><p>​FORM LID-DE1 (PDF, 0.2MB)<br></p>00
Top Up Retirement Sum (For Employers)<a href="/Assets/common/Documents/FORM_RSSTPC.pdf" target="_blank" title="Top Up Retirement Sum (For Employers)"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Make Top-Ups under the Retirement Sum Topping-Up Scheme (For Employers)</a>FORM RSS-TP/C (PDF, 0.9MB)<br>00
Application For Exemption from Retirement Sum Scheme<a href="/Assets/members/Documents/FORM_RSS8.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application For Exemption from Retirement Sum Scheme</a><p>​FORM RSS/8 (PDF, 1.3MB)<br></p>00
Top Up Retirement Sum Using GIRO<a href="/Assets/members/Documents/FORM_RSTU_GIROandSI.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Standing Instruction (SI) to Make Monthly and/or Yearly Cash Top-Ups</a><p>RSTU/SI and RSTU/GIRO (PDF, 1.2MB)<br></p>00
Terminate GIRO Arrangement Under Retirement Sum Topping-up Scheme<a href="/Assets/members/Documents/form_rstu_t.pdf" target="_blank" title="Terminate GIRO Arrangement Under Retirement Sum Topping-up Scheme"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Termination of Inter-Bank GIRO Under Retirement Sum Topping-up Scheme</a><p>​FORM RSTU/T (PDF, 0.2MB)<br></p>00

 

 

CPF LIFERetirement

 

 

<h3> <strong>Understand</strong></h3><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>​What is the CPF LIFE Escalating Plan?</strong></td></tr><tr><td class="ms-rteTable-default"><p>​The CPF LIFE Escalating Plan is a new plan in addition to the current two CPF LIFE plans – Basic and Standard Plans.<br></p><p>The CPF LIFE Escalating Plan gives members the option of starting with a lower initial payouts which will increase by 2% per year. The 2% increase will take place every year in the month that the first payout was made.<br></p><p>As with all CPF LIFE plans, payouts may be adjusted to account for long-term changes in interest rates or life expectancy. Such adjustments (if any) are expected to be small and gradual.<br></p><p>The CPF LIFE Escalating Plan is suitable for members who do not have an immediate need for higher payouts.</p></td></tr></tbody></table><p> </p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>​How much premium do I need to pay under the new CPF LIFE Escalating Plan?<strong></strong></strong></td></tr><tr><td class="ms-rteTable-default">​Under the CPF LIFE Escalating Plan, all your Retirement Account savings will be deducted as annuity premium and paid into the Lifelong Income Fund which will provide you with a monthly payout from your payout start age for as long as you live.</td></tr></tbody></table><p> </p><h3> <strong>Evaluate</strong></h3><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>​I am not an existing CPF LIFE member. Can I join the new CPF LIFE Escalating Plan?</strong></td></tr><tr><td class="ms-rteTable-default">Yes, you can join the CPF LIFE Escalating Plan if you are a Singapore Citizen or Permanent Resident. Please visit our <a href="/Members/Schemes/schemes/retirement/cpf-life">CPF LIFE webpage</a> to understand more about CPF LIFE before you apply for your CPF LIFE plan.</td></tr></tbody></table><p> </p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>I am an existing CPF LIFE member. Will I be allowed to switch to the new CPF LIFE Escalating Plan?</strong></td></tr><tr><td class="ms-rteTable-default"><p>​Yes. All existing CPF LIFE members, including members who had switched to CPF LIFE Standard Plan previously, can choose to switch to the CPF LIFE Escalating Plan between January to December 2018.<br></p><p>If you choose to switch to the new CPF LIFE Escalating Plan, your new payout may be reduced by 20% or more from your current payout. This is because, for the same annuity premium and other factors being equal, a CPF LIFE plan with payouts that increase over time, will have starting payouts that are lower, compared to a CPF LIFE plan with level payouts that do not increase over time. This is based on independent and objective actuarial calculations.</p></td></tr></tbody></table><p> </p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>Will I be allowed to switch to plans other than the CPF LIFE Escalating Plan?</strong></td></tr><tr><td class="ms-rteTable-default">​No. Existing CPF LIFE members will not be able to switch to other plans other than the CPF LIFE Escalating Plan. An exception is made to allow members to switch to the CPF LIFE Escalating Plan as it is a new plan that was previously not available to members.</td></tr></tbody></table><p> </p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>Will I receive any incentive for switching to the CPF LIFE Escalating Plan?</strong></td></tr><tr><td class="ms-rteTable-default">No. Members should decide whether or not to switch based on whether the new plan suits their retirement needs.</td></tr></tbody></table><p> </p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>How will I be affected if I remain under the existing plans?</strong></td></tr><tr><td class="ms-rteTable-default">​Your CPF LIFE policy which was issued to you will continue to apply, and the introduction of the new CPF LIFE Escalating Plan from January 2018 will not affect you.</td></tr></tbody></table><p> </p><h3> <strong>Apply</strong></h3><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:100%;"> <strong>How do I apply to switch to CPF LIFE Escalating Plan?</strong></td></tr><tr><td class="ms-rteTable-default">Application forms for switching to CPF LIFE Escalating Plan will be available from January 2018.</td></tr></tbody></table><p> </p>

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