Reader says... Singapore government seems to be steering the country to be more inclusive. What does that mean? It means if you have a lot of money in CPF, it will be used to tilt the balance or contribution to the needy individuals who do not have enough in their CPF. As in FRS CPF Life is NOT exactly twice payout from BRS CPF Life. AK says... Of course. People who have greater ability to help themselves should do so and not lean too much on the government for assistance. Reader says... Should do so? Based on? Retirement planning for someone who painstakingly TOP up with CASH should NOT be used as handouts to others. This should be done in the domain of income tax... or those with CPF way above FRS or ERS......