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 on 4 Dec 2022, from 12am to 8am.

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

Your page is loading.
One moment please.

Why do I need CPF LIFE?

Nobody can predict how long anyone will actually live. Therefore, planning how much of our retirement savings to use for living expenses is a dilemma – Spend too much and we might not have enough if we live longer than we thought; spend too little and we might deprive ourselves from fully enjoying our hard-earned savings.

With increasing advances in technology and healthcare, we are likely to live longer than our grandparents’ or parents’ generation. Therefore, we cannot predict how long we will live by looking at how long our parents or grandparents live. Otherwise, we may underestimate our lifespan and find our savings depleted with many more years to live when we are no longer able to work.

With CPF LIFE, you do not need to worry. Through providing lifelong payouts, CPF LIFE gives you certainty by insuring you against running out of your retirement savings no matter what age you live to.