Read? CASH REFUNDS FOR CPF SAVINGS USED FOR PROPERTY PURCHASES. (3) Real CPF member. Real conversation! In the financial and investment blogosphere; we always hear Top up CPF to secure our retirement plan, 1M65, 4M65, blah blah! He is 47 and already fully met FRS in his SA and has no intention to sell or downgrade his residential condo home. He will be taking less talk about which is BRS! Both, couple will be taking BRS and pledge their property! For one simple reason. Why let Government control your money and pay you back in monthly instalments from 65?  My money. Okay! They want to have better control over their own money and decide how best to use it for whatever reasons e.g. better health and medical care! LOL! No snake oil so real life and true heart conversation with Uncle8888! We are all different! Ha Ha! Data point of one?...