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Why is my co-owner allowed to withdraw part of his Retirement Account savings while I am not allowed to do so?

In households where the property does not last all co-owners until age 95, only the co-owner(s) who are covered by the lease until age 95 can choose to set aside their Full Retirement Sum (FRS) with a mixture of property (up to half the FRS) and cash, and hence withdraw their Retirement Account  savings down to their Basic Retirement Sum*.

* Excluding interest, any government grants and top-ups made under the Retirement Sum Topping-up Scheme.

Find out more about the importance of having a property lease that lasts until you are 95 years old.