After you pass away, your CPF savings will be transferred to the Public Trustee for distribution to your family under the intestacy laws. This manner of distribution will safeguard the welfare of your family members.

For example, if you are single, your CPF savings will be distributed by the Public Trustee equally between your parents. If you are married, your spouse will receive half of your CPF savings, and your children will share the remaining half.

For Muslims, your CPF savings will be distributed by the Public Trustee according to the Inheritance Certificate, which your family members can obtain from the Syariah Court (Muslim inheritance law).

If you wish to distribute your CPF savings differently, you will need to make a CPF nomination.

Do note that your investments under the CPF Investment Scheme, except for discounted SingTel shares under the Special Discounted Shares (SDS) Scheme, will form part of your estate. They will not be distributed under your nomination, even if you have one.

Instead, they will be distributed according to your will (if applicable), or under the intestacy laws to be handled by the administrators of your estate. (Public Trustee may be the administrator of your estate if the amount is small). In the case of NTUC Income policies, you have the option to nominate your beneficiaries to receive the insurance money.

If you wish to make a nomination, please note that:

1) A marriage will automatically revoke an earlier nomination, if any.

2) A divorce does not revoke an earlier nomination, if any.

3) A will does not supersede an earlier nomination, if any.

4) If your nominee is below the age of 18 years at the time of your CPF savings are paid out, his/her share will be forwarded to the Public Trustee for administration until he/she reaches 18 years of age.

5) If any of your nominee is an undischarged bankrupt at the time your CPF savings are paid out, the Board will be legally obliged to inform the Official Assignee(OA) of any assets that are due to him as his estate is vested in the OA by virtue of the laws in Singapore relating to bankruptcy.

To know more about the distribution of CPF savings under intestacy laws/Muslim inheritance law and under nomination, click here.

Click here for more information about the Public Trustee.

You can check your nomination status here.

If you have an existing nomination but wish to distribute your CPF savings according to the intestacy laws/Muslim inheritance law, click here to revoke your nomination.