6/17/2017

CPF - Watch it very carefully

Below is an abridged article by Phillip Ang posted in TRE that explained clearly what the Enhanced Nomination Scheme is all about. Be very careful that you want your nominee to receive your life savings in their CPF account and not in cash. When it is deposited in their CPF account, it will be subject to all the restrictive rules of withdrawal by CPF, ie it will be stuck for good like why you are unable to withdraw your CPF now. To me it is NOT and enhanced scheme.

Why is PAP still trying to scam CPF members?
June 15th, 2017

....A few years ago, CPF Board (CPFB) introduced the Enhanced Nomination Scheme (ENS) without any debate in Parliament, zero public input/feedback and no media announcement. The ENS allows a CPF nominee to receive CPF savings in their CPF accounts. Members are required to contact CPFB for details of the suspicious scheme.
The ENS is described in ONE SENTENCE on CPF website:

Some inconvenient questions for CPFB:
Why didn’t CPFB consult CPF members before the introduction of this scheme?
Why didn’t CPFB publish all material information on its website?
Why did CPFB introduce a scheme which defies logic and common sense?
I have checked with CPFB and what I found out should worry CPF members.
I’ll use the example of a CPF member with a $218,000 bequest to his nominee. Under this make-no-sense scheme, members are given 2 ‘options’ for the transfer:
1 – Top up Medisave Account (MA) limit followed by topping up Special Account (SA) limit with balance going into Ordinary Account (OA) or
2 – Top up SA limit followed by topping up MA limit with balance going into OA.
Under the ENS, MA and SA must be topped up to current limits of $52,000 and $166,000 respectively!

Hmm ....Clearly, the scheme was introduced to trap more CPF for GIC to speculate in risky foreign assets.
CPF members would have preferred all monies to go into the nominee’s OA which could at least be used to finance housing or education.
If the nominee is a 15-year old child under ‘option’ 2, the money will be trapped in the SA till he reaches 65, ie for 50 years! At the stroke of a pen, PAP hopes to trap our CPF for another 2 generations.
Why would any CPF member plan for the nominee’s retirement which could be 5 to 6 decades down the road?
This is a clear case of PAP trying to scam CPF members and it doesn’t help with elected MPs playing deaf and dumb in Parliament, WP MPs included.
Readers should share the information and be very wary of CPF Board. Do not anyhow assume your CPF will be, logically, transferred to the nominee’s OA. Once the transaction has been effected, your nominees will surely cry no tears as it will be impossible to be reversed. Can you imagine $200,000 trapped for 5 to 6 decades at GIC’s disposal?
Is GIC in such urgent need of funds that PAP has to resort to introducing a scheme to scam CPF members?

Phillip Ang
* The author blogs at LikeDatOsoCanMeh.

62 comments:

Anonymous said...

The PAP has raised their "Don't return your CPF money" to another level !

Anonymous said...

Aiyoh. What is done to CPF is similar to the FamiLee feud Lah.
LHY & LWL wan to exercise the old fart will of demolish the old house but Ah Long disagreed. Same in CPF, citizens want to withdraw the monies at 55 but Ah Long stopped it...whom us the problem here?...

Anonymous said...

Was it Doctor Toh Chin Chye who warned the PAP government not to trivialise with the workers CPF by introducing ponzi schemes like minimum account, medisave and medishield to siphon off the people's money as to him it was a breach of trust by the government. The original CPF entitles every worker and contributer to withdraw the full amount of his contribution without question or hussle on his retirement at age 55. The PAP government had gambled and lost hundreds of billions of CPF money in playing with American toxic assets. The incompetent ministers who also act as CEOs, Chairman or directors of Government Linked Companies are guilty of losing the people's money without feeling any pain as the money is not theirs but Other People's Money ( OPM ) . In this case the poor workers' hard earned money. They should be charged with criminal breach of trust.

Dr. Goh Keng Swee once warned LKY and the government that politicians and civil servants do not have the acumen or expertise to run business and should not do so. The billions of dollars lost by ministers or ex civil servants who run the GLCs bear out Dr. Goh Keng Swee's keen sense of observation.

Anonymous said...

They will keep inventing more compulsory schemes to take your money away while you cannot touch or use them. They can.

Anonymous said...

When the 70% gave such a resounding mandate to Hsien Loong and PAP, of course Hsien Loong can do what he likes lah.

If I were Hsien Loong, I would have done the same too. Which human bean, wouldn't?

I mean if Hsien Loong can do something that even pissed off his own family members until they need to wash their dirty linen in public, what else he cannot, u tell me lah?

So it all boils down to the 70% who voted for PAP with Hsien Loong as leader.

And why 70% voted for PAP? Simply because the strongest Sinkie opposition party is not even ready to be govt !!!

And why the strongest Sinkie opposition party not ready to be govt? This one you all smart Sinkies go and find the answer lah. And maybe report back in RB Blog. Or maybe RB can answer this in his next post? It is high time he writes something about this very critical issue facing Sinkies.

Anonymous said...

Interestingly, such a big national decision involved all Singaporeans, how come the government didn't set up a committee to look into this matter. Surely this matter is much important than the president election.

Anonymous said...

And why the strongest Sinkie opposition party not ready to be govt?
10:32 am

Maybe the strongest Sinkie opposition party is actually a PAP in disguise? I mean a wolf in sheep's clothing lah. If not, why until now the strongest Sinkie opposition party still no sound no picture?

So the situation actually may be even worse than Sinkies can imagine. Meaning there are no genuine opposition parties in Singapore.
ly
If they are really genuine, the opposition parties will surely grow very strong and ready to be govt under such circumstances. If not, they are all keh keh (bluff bluff) one.

Anonymous said...


Uncle rb, are you sure that ENS is the Enhanced Nomination Scheme?

I think you got it wrong this time.

I thought ENS is the ENDless Nomination Scheme. Am I correct? Please check.

Thank you so much.

Anonymous said...

Meaning there are no genuine opposition parties in Singapore.
10:41 am

If so, why are there no genuine opposition parties in Singapore?

Anonymous said...

"This is a clear case of PAP trying to scam CPF members and it doesn’t help with elected MPs playing deaf and dumb in Parliament, WP MPs included."


The huge huge disappointment is the silence of the Workers' Party MPs in Parliament. They are behaving like lambs surrounded by wolves, quivering in fear and daring not make a noise . . .

Anonymous said...

The huge huge disappointment is the silence of the Workers' Party MPs in Parliament. They are behaving like lambs surrounded by wolves, quivering in fear and daring not make a noise . . .
10:55 am

Like what 10:41 am said, maybe they are keh keh one?

So that Sinkies will be very disappointed and will not vote for Workers' Party next election.

And with that, PAP will secure 80% votes next election, like what one anon here always said.

So actually all this may be part of an overall strategy of PAP Hsien Loong.

Except that maybe he did not foresee or expect his own family members attacking him from the inside, which is even more deadly than a terrorist attack on Sinkieland.

But not to worry for Hsien Loong, because knowing Sinkies, he will still win the next election, assuming the opposition is still keh keh by then.

Anonymous said...

These people are really shameless.

Anonymous said...


Hi anonymous 1054......who to ask?

Do we have oppositions in Singapore?

Or many disunited ordinary people like you and me kpkb and kpkb only as keyboard warriors?

Hahaha...........

Anonymous said...

@ June 17, 2017 11:07 am

Who is more keh keh?
The silence of WP because WP is keh keh Opposition?
OR
The silence of Singaporeans because Singaporeans are keh keh freedom loving citizens?

Actually hor.
Singaporeans are really slaves pretending to be democratic citizens.

Anonymous said...

Con
People
Fund

Is it true?

Anonymous said...

The huge huge disappointment is the silence of the Workers' Party MPs in Parliament. They are behaving like lambs surrounded by wolves, quivering in fear and daring not make a noise . . .
Anon 10:55 am

The Solution (trumpets blaring) - CHEE SOON JUAN !

Anonymous said...

Except that maybe he did not foresee or expect his own family members attacking him from the inside, ...
11:07 am

Not really lah.

Maybe Hsien Loong had foreseen or expected it lah, but knowing risk management, he calculated (he is also a Cambridge trained mathematician, you know) that the political risk to him is very low, even if it were to happen like what had happened.

And knowing Sinkies for what they are and also being a Sinkie myself, I agree that the political risks to him is very low indeed.

So Hsien Loong can be brutal and also very smart, and in this sense, very dangerous to Sinkies who dare to oppose him.

Anonymous said...

To paraphrase Li Shengwu

/// Today we are going to learn a lot about the country of our birth.
We are going to learn whether (as I hope) Singapore is still full of men and women of quality and strong character, or whether it is difficult to get a citizen to bravely vote Opposition when he knows that there is something wrong with his government. ///

Anonymous said...

So Hsien Loong can be brutal and also very smart, and in this sense, very dangerous to Sinkies who dare to oppose him.
11:20 am

Tiok. Just look what happened to Chee Soon Juan.

He is a perfect case of the spirit is willing but the flesh is weak.

The flesh is weak due to repeated vicious attacks by PAP and continued even during Hsien Loong time as PM.

Weak until can even lose a by-election (and not even close to winning) to a PAP minority race candidate in a Chinese majority SMC! Bo Yok Kiu (no medicine cure) liao lah.

That's why smart Sinkies don't join the Sinkie opposition to fight PAP.

With a party not ready to be govt and Sinkies as voters, sure lose one.

Anonymous said...

Just look what happened to Chee Soon Juan.
He is a perfect case of the spirit is willing but the flesh is weak.
11:37 am

Tiok. And that shows he is not really smart because spirit alone cannot win, unless he fights for other reasons.

And that's also why majority Sinkies, being smart, did not vote for him and his party. And when the flesh is weak, how to serve Sinkies well, let alone as well as the PAP as ruling party with huge resources?

Anonymous said...

Why all the kpkb. You get the government you voted for. People who come here to read RB's blog must be the 30% who voted for the opposition. If I were one of you I would just give up and resign to the fact that the PAP will rule for the rest of your miserable lives. Like they always say, if you don't like it, get out and rest assured you will NOT be missed. Many are queuing at Changi immigration to take your place. Singapore does not belong to you. Singapore belongs to those who are will to toe the line. So, get out or shut up.

Anonymous said...

That's why smart Sinkies don't join the Sinkie opposition to fight PAP.
11:37 am

Tiok.

Hsien Yang and sister Wei Ling may fight elder brother and PM Hsien Loong

BUT

they did not join the Sinkie opposition to fight PAP. They chose to emigrate, and which is what many smart Sinkies had done.

So which Sinkie, other than those keh keh ones, is still serious and stupid enough to join the Sinkie opposition to fight PAP?

Anonymous said...


Hi 1137 1145 and others.

Nothing to do whether they are smart or not so smart.

Singaporeans are basically ks-ks!

Correct?

Anonymous said...

PAPies already say ... CPF not your money!!!

And 70% dafetees agree.

So you keep KPKB for fuck?!?!?!

Not happy you go & overthrow PAPies!!!

No balls to overthrow PAPies?!?!? Then don't KPKB lahh!!!

Anonymous said...

@ June 17, 2017 12:17 pm & June 17, 2017 11:50 am

ESM Goh has spoken.
No need you small farts to talk some more.
Time for you to fuck off to die.
--------------------------------------

"Singapore has prevailed through crises and adversity. We are a hardy people, built our family and nation from humble beginnings. What is happening in public between Lee Kuan Yew's children is not us and should not be allowed to define who we are.

We are bigger than our troubles, stronger than our differences. Whatever damage Singapore may suffer, willfully inflicted or otherwise, I know Singaporeans will not lay meek. We will not be dragged down by a family's petty disputes. We will always look forward, to fight real battles and create a better future for ourselves and our children."

Goh Chok Tong

Anonymous said...

Goh Chok Tong, just like many other politicians, is just a political chameleon, changing his hues and colours according to the situation.

When he was PM, he said PAP ministers who did not sue when being defamed will be sacked!

So now why didn't he ask Hsien Loong to sue his (Hsien Loong's )siblings for what they had alleged which was clearly defamatory if untrue?

I think this fella Goh will even praise the opposition if the opposition can win the election to become govt.

Anonymous said...

There is a good reason why the late LKY chose Goh Chok Tong as a seat warmer for Hsien Loong.

So now we shall see who Hsien Loong will choose as a seat warmer for son Hongyi, assuming what Hsien Loong's siblings said about a Lee dynasty is realised.

Anonymous said...

Do you think Ah Heng is a very comfortable seat warmer for Hongyi ?

"For what it is worth, I really have no interest in politics …. but I will serve my country when called to do so."

Heaven Has No Eyes Nor Heart said...

The way the CPF Scheme has evolved over the last few years under the present Lee-Ho Aristocratic Power is unscrupulous, unethical and immoral, to say the least.

Yet good, honest and credible men and women of very high standing and powerful influence have been keeping unnaturally and eerily quiet.

There is something not going right with the Singapore Civil Service, Statutory Boards and Public Services Authorities.

This is a very sad and frightening development.

Anonymous said...

Goh Chok Tong, just like many other politicians, is just a political chameleon,....
1:49 pm

Also cannot blame Goh Chok Tong lah, if that is what he needs to be in order to survive well and good in Sinkieland.

Unless he also wants to follow Hsien Yang and Wei ling's footsteps to become a quitter by leaving Sinkieland lah. (quitter is the not so nice word used by Chok Tong in a ND rally speech to describe those Sinkies who left Sinkieland for good)

For your info, Chok Tong's own daughter is a quitter who had left Sinkieland to settle in England.

Anonymous said...

Yet good, honest and credible men and women of very high standing and powerful influence have been keeping unnaturally and eerily quiet.
2:04 pm

Like what Anon 2:08 pm already said, also cannot blame them lah, if that is what they need to be in order to survive well and good in Sinkieland.

If I were them, I would have done the same too. It's only human.

Anonymous said...

Do you think Ah Heng is a very comfortable seat warmer for Hongyi ?
2:03 pm

Maybe.

There is a good reason why even after having recovered from stroke, Ah Heng still want to continue to work so hard as minister. To him, maybe something very good is waiting for him, even though maybe just seat warmer?

Anyway, with salary in the millions, who don't want to continue to be minister, if Hsien Loong wants him to continue?

Anonymous said...

We will not be dragged down by a family's petty disputes. We will always look forward, to fight real battles and create a better future for ourselves and our children."

Goh Chok Tong

Well spoken Chok Tong.

Anonymous said...

Anonymous 2.33pm, Mr Heng Heng should treasure his 2nd chance.

Nothing nothing nothing is more important than life!

Anonymous said...

OPPOSITION VETERAN SAYS MORE BELIEVABLE THAT LEE HSIEN YANG HAS NO MONETARY MOTIVE

http://www.allsingaporestuff.com/article/opposition-veteran-says-more-believable-lee-hsien-yang-has-no-monetary-motive
------------------------------------

Who do I believe?

My political mentor had always taught me this simple methodology of Criminology... always look for Motive first before you do anything else.

There are many accusations and counter-accusations flying around.

Now the Pro-PAP-LHL people are saying Lee Suet Fern is a "puppet master"... manipulating behind the scene of the will... etc.

But I ask, what is her motive, if any?

Anonymous said...

"We will not be dragged down by a family's petty disputes. We will always look forward, to fight real battles and create a better future for ourselves and our children."
- Goh Chok Tong
June 17, 2017 2:55 pm

But how to create a better future for ourselves and our children?
After 10 years of HoLee's PAP government .... daft Sinkies still tan ku ku for a better future ... tio bo?

So lan, lan bo pian lor.
Only way is to vote Opposition lor.
The enemy of our enemy is our friend ... tio bo?

Who cares if Oppo is united or ready?
If they stand against PAP, we vote for them lor.

Anonymous said...

GCT is the man!

Don't see him no up!

GCT is a very smart politician! LKY trained!

GCT knows when to say what!

And like many others, when to wayang here wayang there.

GCT is the man!

Anonymous said...

Do you think the PAP can ownself check ownself?
Do you think the PAP can check on LHL?
OR
Do you think we need an Opposition to check on the PAP?

patriot said...


Haha.....

The Man who was once a prime minister of Sin, did not deliver his Swiss Standard Of Living
for Sinkies though l do think he has made his Cabinet Members and Top Sin Civil Servants to live higher than Swiss Standard.
Now,
he gets praise for dishing out his advice to Daft Sinkies to fight real battles and create a better future.
Talk is cheap.
l think LaoGoh can make the Live of many Sinkies better by just stopping to dish out sweet talks.
Must say that Laogoh himself is a very controversial person in Sin.

THE CPF, DEGREE that Sinkies worked VERY HARD FOR ARE NOW WORTHLESS. THINGS YOU CAN SEE AND READ
BUT,
CANNOT USE OR EAT.
IMAGINE YOUR DEGREE GETS YOU NO JOB, YOUR CPF IS ONLY FIGURES ON A PAPER.
Can You understand the Angst and frustration??

Worse, things are done
WITHOUT CONSULTATION AND REFERENDUM WITH THE CITIZENRY.

WHAT SYSTEM ARE SINKIES LIVING IN?
CERTAINLY NOT DEMOCRATIC IN MY OPINION.

Think PM Lee Hsien Loong's Sibling also sense that the System
has gone awry resulting
in acrimonious allegations. This shows how awry things have developed thus far in Sin.




patriot

Anonymous said...

IMAGINE YOUR DEGREE GETS YOU NO JOB, YOUR CPF IS ONLY FIGURES ON A PAPER.
Can You understand the Angst and frustration??
- patriot, @ 3:28 pm

I can understand the angst and fraustration of Singaporeans.
But I cannot understand the stupidity.

Under the LHL-PAP government, Singaporeans believe
your degree gets you job and
your CPF gets you no money.
But still 70% Singaporeans voted PAP.

Stupid or not you tell me lah.

Anonymous said...

Under our Singapore laws;
If a Prime Minister goes rogue;
What are the checks and balances to correct the situation?

Can anybody tell me?

Anonymous said...

Anonymous 338,I can tell you. PAP is the oldest brand, people die-die-vote for PAP!

The other old brand WP not ready to form the government yet, so no alternative!

Other opposition parties are just ke-lay-fei appearing only during GEs.

So how?

Anonymous said...

SingFirst is the worst - A bunch of Hainan Ah Ko,s trying luck to be-cum Member of Pa-Lee-Men. Some more one of their Hainan Ah Ko's also tried luck to be Pah-Si-Lang of Sinkieland.

Anonymous said...

So how?
June 17, 2017 4:12 pm

So vote Opposition lor.
Only way to develop alternatives is to give the alternative parties a chance.

Just like in 1965, Singaporeans gave the untested LKY and PAP a chance.

SC said...

Wornkers' Party is only good in being workers but not leaders. They work and work like dogs but with little results. They are still long long way to be able leaders who can lead Singaporeans out of the stranglehold of the PA Party.

Anonymous said...

The only way is for Lee Hsien Yang and his children to form another political party to challenge the PAP.

Anonymous said...

The only way is for Lee Hsien Yang and his children to form another political party to challenge the PAP.
June 17, 2017 7:10 pm

Do you think you speak like a well trained LKY slave?
Think of yourself and your children as worthless dogs.
Think of the Lee family as everything also can?

Anonymous said...

Anonymous 7.10pm suggestion is good but sure no chance. If lucky can get back deposits.

This episode is different from running for election.

To beat PAP is very very difficult. WP can tell you why

You can only pray for an internal split between THE military and non-military politicians.

Otherwise no chance!

Anonymous said...

SC 6.46pm is 1oo% correct!

If WP is not careful, they may even return H smc and A grc back to PAP at the next GE!

Anonymous said...

In USA;
If they think the President did something wrong;
They start the impeachment process.

What about Singapore?
What happens if a Singapore Prime Minister does something wrong?
What can Singaporeans do?

Impeachment in the United States
-------------------------------
At the federal level, Article II of the United States Constitution states in Section 4 that "The President, Vice President, and all civil Officers of the United States shall be removed from Office on Impeachment for, and conviction of, Treason, Bribery, or other High Crimes and Misdemeanors."

https://en.wikipedia.org/wiki/Impeachment_in_the_United_States

Anonymous said...

When GCT said it was a family's petty dispute, what is petty, the dispute is petty or the people involved in the dispute are petty?

Anonymous said...

When GCT said it was a family's petty dispute, what is petty, the dispute is petty or the people involved in the dispute are petty?
9:33 pm

Hahahaha. That's why anon 1:49 pm said GCT is just a political chameleon.

When you see something brown on the tree, is it just a branch or a chameleon on the branch?

Anonymous said...

When you see something brown on the tree, is it just a branch or a chameleon on the branch?
9:46 pm

Depend on who see it lah.

If it is a daft Sinkie, he/she will see it as just a branch.

If it is a snake, it will see it as a chameleon. And the chameleon will end up as the snake lunch.

agongkia said...

We are oredi shortage of land to built pigeon holes.Stop cheating yourselves by claiming Cpf is your money,result in more mental hospital having to built just to cater for you.
CPF is not your money.Its our employers money .How many times must one be reminded that it's our employers who contribute it as n not by individual.
You contribute cpf meh?by giro?by cash ?Stop cheating yourselves lah .
Daft or tingtong oso must have limit.

Anonymous said...

Wah!
Channel News Asia mental masturbate non-stop today with its headlines at the bottom of your TV screen.
------------------
DPM Teo: Nothing secret about Ministerial Committee
Govt has to consider public interest of 38 Oxley Road
DPM Teo: Due process needed to consider various options
Shanmugam: Ridiculous to suggest conflict of interest
DPM Tharman says terror threat at its highest level
Tan Chuan Jin calls for unity amid terror threats
----------------------

Ownself check ownself that every thing is okay.

Anonymous said...

@ agongkia (PAP prostitute, IMH escapee) @ June 17, 2017 10:41 pm

If CPF not your money;
then why is the account in your name?

Anonymous said...

Lee Hsien Yang had opened a Pandora's Box. It's too late to dismiss Oxleygate as simply a family feud . . .

Anonymous said...

DPM Teo: Nothing secret about Ministerial Committee
Govt has to consider public interest of 38 Oxley Road
DPM Teo: Due process needed to consider various options
Shanmugam: Ridiculous to suggest conflict of interest
11:18 pm

Hahahaha.

Even Lee Hsien Yang fight also cannot win Ministerial committee or ministers' argument.

And if even Lee Hsien Yang also cannot, who can? Low Thia Khiang? Hahahahaha.

Any wonder why smart Sinkies didn't join the Sinkie opposition to fight PAP and, just like Lee Hsien Yang, would rather leave Sinkieland to have better life elsewhere?

Anonymous said...

@ June 17, 2017 11:31 pm

agongkia is a PAP slave.
He works for free.

You have to pay a prostitute.
(agongkia's mother is the prostitute. Father from parts unknown)

Chua Chin Leng aka redbean said...

SINGAPORE: When Central Provident Fund (CPF) members pass away, their savings will be given to their nominees in cash - and not transferred to their Medisave account as claimed in a message making the rounds on social media.

"There is absolutely no basis to this rumour," stated a post on the Singapore Government website on Saturday (Jun 17), debunking the message circulating on WhatsApp, SMS and social media.

"The truth is, by default, your nominees will receive your CPF savings in cash when you pass away. This is unless you have opted for a different type of CPF nomination," it said.


The above govt statement is to debunk an sms message going around saying that in the event of death, all CPF money would be paid to the nominee's Medisave Account. This sms message is errorneous. But what Phillip Ang wrote about the ENS scheme is true. Read the govt statement above,

"The truth is, by default, your nominees will receive your CPF savings in cash when you pass away. This is unless you have opted for a different type of CPF nomination," it said." What is this different type of CPF nomination? The govt statement did not elaborated and stopped there. This different type of CPF nomination is the ENS or Enhanced Nomination Scheme that Phillip Ang was talking about in his post that I quoted in this blog on Saturday.

agongkia said...

Anon11.31
It has to be under your name to show that you played your part in contributing to this so call Cpf.
That's why they give work fare to encourage you to contribute through your employer.
And our kind employer help to pay for you so you can use it if you buy houses,seek medical treatment or study.
Oso guarantee you dun otarng medical bill after staying in hospital and kick the bucket.
You want cash give up citizenship n migrate,or if you kick the bucket,they will give to your children or who you nominate.
So long as you want stay put,dun gong gong dream it's your money.No more land for mental hospital lah.

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