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My CPF Life Interest is Lost to a Pool!

Many CPF members believe that choosing the CPF LIFE Standard Plan means they are “losing their interest” to a pool — and that the Basic Plan lets them “keep all their interest.”

That is not the full story.

In this deep dive, I break down:

What really happens to your Retirement Account (RA) at 55

How CPF LIFE premiums are structured

Why pooling exists — and who actually benefits

The real trade-off between payout and bequest

The ~9% payout difference between Basic and Standard

When pooling works in your favor

Why longevity is the most important variable

According to CPFB, CPF LIFE works by risk-pooling — similar to insurance — where interest on premiums is pooled to enable lifelong payouts

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For the Basic Plan, only about 10–20% of your RA is used as premium, and payouts are first drawn from your RA until age 90

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For the Standard Plan, all RA savings are used as premium, and payouts remain level for life

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And when you pass away, your remaining CPF LIFE premium balance goes to your beneficiaries

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So the real question is not:
“Is my interest pooled?”

The real question is:
Do you want higher guaranteed income now, or higher bequest later?

In tonight’s livestream, I will show the exact bequest calculations and lifetime payout comparison so you can see the numbers clearly.

There is no perfect CPF LIFE plan.
Only the one that fits your longevity, lifestyle, and legacy goals.

🎯 Who This Is For

Age 40–70 planning for CPF LIFE

Those confused about Basic vs Standard

Anyone worried about “losing interest”

1M65 members who want clarity backed by numbers

📊 What You’ll Gain

Clear understanding of pooling

Better CPF LIFE decision framework

Strategic thinking beyond surface myths

Confidence in your retirement income structure

This is not about fear.
This is about understanding the system properly.

🔎 Hashtags

#CPF #CPFLIFE #RetirementPlanning #1M65 #SingaporeFinance #FinancialLiteracy #CPFBasicPlan #CPFStandardPlan #RetireWithConfidence #LongevityPlanning #BequestPlanning #SingaporeRetirement