Unlock your CPF RA so your family get more?
Unlock your CPF RA so your family get more? The CPF Hack I Was Told Yesterday”
“Yesterday, a financial planner shared a CPF hack with me.”
“He said this works best
if you own a property.”
“He told me:
‘At 55, pledge your property.’”
“You unlock about half of your CPF FRS,
then invest it elsewhere.”
“So far… sounds reasonable, right?”
“Then he showed me a table from DrWealth.”
“He said:
‘Between age 80 to 88, CPF stops paying interest.’”
“So payouts come from principal.”
“And only after 88,
interest ‘comes back’ again.”
That’s where I stopped him.
“CPF interest never stops.”
“What that table actually shows
is cashflow, not interest stopping.”
“CPF LIFE pays you monthly income.”
“That income includes
interest plus principal —
like any annuity.”
“So yes, the balance drops.”
“Not because interest disappeared
but because you’re being paid.”
“The problem is how this is framed.”
“It makes CPF look like ‘dead money’
in your 80s.”
“But CPF LIFE is designed
to protect you if you live very long.”
“Not to maximise inheritance.”
“Property pledge isn’t wrong.”
“But using a misleading ‘interest stops’ story
to sell a hack is.”
“If you own a property and you’re nearing 55,
double-check before touching CPF.”
“Share this with your parents.”
#CPFPropertyPledge #PropertySG