Beware of scam calls and scam messages impersonating as CPF officers asking for your personal details. Ignore them and do not share your Singpass ID/password or banking details with anyone. CPF officers will NOT ask for your Singpass, banking userid or password.

Scheduled Maintenance: CPF digital services will not be available from 26 Nov 2022, 10pm to 27 Nov 2022, 7am.

Maintenance: CPF digital services are not available on 22 Nov 2022 from 12.30pm to 2.30pm. You may access CPF Mobile app.

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What other sources of lifelong income must I have to withdraw my retirement savings?

You can withdraw your retirement savings if you have a pension or annuity that provides you with monthly payouts for life. The amount of retirement savings you can withdraw will depend on the monthly payout you receive from your pension/annuity. Find out more.

Generally, only pensions under the Singapore government will be considered.

Only annuities (bought using cash or CPF Investment Scheme) administered by Monetary Authority of Singapore (MAS) registered insurance companies and satisfy the stringent requirements under the Insurance Act will be considered. You must also be the policyholder and sole insured person of the annuity policy.


Investment instruments such as endowments and bonds are not allowed as they generally do not provide the policyholder with a lifelong income.