Well, I believe everyone heard about some news about the CPF, if not, I guess you can find them on the links below. Regarding the new annuity plan (with incremental payouts) http://www.straitstimes.com/singapore/cpf-review-members-can-opt-for-new-annuity-plan-with-monthly-payouts-that-increase-over Regarding the new investment scheme http://www.straitstimes.com/singapore/cpf-review-panel-recommends-new-lower-cost-investment-option-for-members http://www.straitstimes.com/singapore/cpf-review-6-things-to-know-about-the-new-cpf-lifetime-retirement-investment-scheme Do note that this is my opinion and take on it, it might not be suitable for everyone else. Let's start with the new annuity plan. So here's the comparison (taken from Straits Times, I cropped the picture into two parts to discuss each section individually): So based on that picture, we are comparing the fixed payment of CPF Life Basic Plan ($640) vs CPF Life Escalating Plan ($560). A quick comparison on spreadsheet software (LibreOffice, if you're wondering), shows that the Escalating Plan payout will match the Basic at about age 72, then exceed after that. The reason why the Escalating ......