I have never considered CPF as part of my retirement fund when I made financial planning. Why? The policy is always changing and there is nothing much I can do about it. However, it is still good to keep up with CPF matters as it is still our money? Reading the speculations about CPF Life Escalating Plan and CPF Lifetime Retirement Investment Scheme (LRIS), I know for sure what is my choice now. Things may change, but for now, it is quite certain. My choice? CPF Life Standard Plan and no CPF Lifetime Retirement Investment Scheme (LRIS). CPF Life Escalating Plan is for people who "suspect" they can outlive 87 years old - The highly possible age to break even the CPF Life Standard Plan. Knowing my track records of falling sick easily and childhood medical conditions, I doubt I need to "worry" about living over that age. There is another ......