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What happens to my CPF savings if I did not make a CPF nomination?

When you are no longer around, we will pay your CPF savings to the Public Trustee's Office for distribution in cash to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore. This ensures that the welfare of your dependants is provided for.

The following assets are due to the beneficiaries of the deceased's estate:

a. Discounted Singtel shares;

b. Properties bought with your CPF savings1;

c. Payout from Dependants’ Protection Scheme (DPS)2; and

d. Investments made under CPF Investment Scheme (CPFIS)3.

1 The treatment of the deceased’s share of the property is dependent on the manner of holding. If the property is held under Joint Tenancy, ownership of property will be transferred to the surviving owner(s). If the property is held under Tenancy-in-Common, the deceased's share of property will form part of his estate.

2 You can make a DPS nomination with your DPS insurer or make a will to determine the beneficiaries of the DPS claim benefits. Without a DPS nomination or will, the benefits will be paid to the proper claimant(s). A proper claimant can be the executor of the deceased’s estate or a family member.

3 These will form part of your estate, except for insurance policies where if you have made a nomination with your insurance company, the death benefits from the policies will be paid to your nominated beneficiaries.

Watch this video to find out why you need to make a CPF nomination.