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What happens to my CPF savings if I had made a CPF nomination?

If you had made a valid CPF Nomination, the following will be distributed to your nominees in the proportion as stated in your CPF nomination upon your death:

(a) CPF savings in your Ordinary, Special, MediSave and Retirement Accounts;
(b) Unused CPF LIFE premiums; and
(c) Discounted Singtel shares1.

The following are not covered by CPF Nomination:

(a) Properties bought with your CPF savings2;
(b) Payout from Dependants’ Protection Scheme (DPS)3; and
(c) Investments made under CPF Investment Scheme (CPFIS)4.

1 Discounted Singtel shares will form part of your estate if you do not make a CPF nomination.

2 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.

3 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.

4 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.