• A Central Provident Fund (CPF) nomination determines how your CPF savings are distributed after you pass, and it operates entirely outside your will.
• Without a nomination, your CPF savings are allocated through intestacy rules, which may not reflect your intentions.
• Marriage, divorce, or the arrival of new dependents are all prompts to review and update your nomination.
• Keeping your CPF nomination current reduces administrative burden for your beneficiaries and ensures your wishes are carried out.
• CPF nomination is one part of a broader financial plan that integrates retirement income, investments, and long-term wealth transfer.

Most people spend decades building up their Central Provident Fund (CPF) savings. Far fewer spend an hour deciding where those savings go when they die. A CPF nomination is that decision, and without one, your savings will not follow your will. They follow a separate set of rules entirely, and the outcome may look nothing like what you intended....