Toa Payoh Information | CPF LIFE 2027 Retirement Plans

CPF LIFE is Singapore’s national retirement annuity scheme providing monthly income for as long as an enrolled person lives. Singapore Citizens and Permanent Residents can generally begin their CPF retirement payouts at age 65, choose to delay starting until age 70, and select from the Standard, Escalating or Basic plans if enrolled in CPF LIFE. The published retirement sums for members turning 55 in 2027 are S$114,100 Basic Retirement Sum (BRS) and S$228,200 Full Retirement Sum (FRS). The 2027 Enhanced Retirement Sum (ERS), the maximum voluntary Retirement Account top-up reference for members aged 55 or over, is S$456,400. These are not universal compulsory amounts that every retiree must possess; they are reference points for the retirement savings and payouts available to the individual.

A Toa Payoh resident reaching age 65 should check the actual CPF Retirement Account balance and use CPF’s ‘Plan my monthly payouts’ service. Deferring CPF LIFE payouts from 65 toward 70 increases the eventual monthly payout by up to 7% for each deferred year, or up to 35% over five years, but postponement is not automatically best for someone who needs cash to pay for everyday living. CPF Board normally sends a payout notice three months before the 65th birthday and starts payouts automatically at 70 if no instructions have been given. From 1 January 2027, CPF contribution rates for employees aged above 55 to 65 also rise, directing the increase into retirement savings up to the applicable FRS. This guide explains 2026 and 2027 amounts, the age-55 Retirement Account, inclusion rules, payout-plan choices, home ownership, top-ups, nomination and practical household budgeting.

CPF LIFE provides monthly payouts for life under its eligible annuity plans.
Singapore’s CPF payout eligibility age remains 65, even after the retirement age rose to 64 in July 2026.
Members may choose to start payouts at any time from 65 through 70.
Deferment can increase the monthly CPF LIFE payout by up to 7% per deferred year.
At age 70, payouts begin automatically if no instructions have been given.
CPF normally notifies members around three months before their 65th birthday.
CPF LIFE plans: Standard, Escalating and Basic.
Standard offers relatively steady payouts; Escalating starts lower and increases 2% every year.
Basic has more gradual reduction in payouts when the relevant account balance falls below S$60,000.
For 2026 age-55 cohort: BRS S$110,200; FRS S$220,400; ERS S$440,800.
For 2027 age-55 cohort: BRS S$114,100; FRS S$228,200.
The 2027 ERS is S$456,400 under CPF’s current schedule.
The cohort’s FRS amount is fixed when the person turns 55; ERS top-up ceilings change by year.
CPF opens a Retirement Account at age 55 and transfers applicable OA and SA savings under current rules.
Automatic CPF LIFE inclusion generally applies to SC/PRs born in 1958 or after with at least S$60,000 in retirement savings when payouts begin.
People not automatically included can choose to join CPF LIFE, generally from age 65 until a month before age 80.
CPF LIFE does not require reaching exactly the FRS to receive any payout.
CPF’s official 2026 illustration: S$220,400 at age 55 can support about S$1,780 monthly from 65 on the Standard Plan under stated assumptions.
The published illustrations are not promises for every individual; actual balance, age, plan and longevity assumptions matter.
From January 2027, employee CPF contribution rates increase for eligible workers aged above 55 to 65.
A member may top up the Retirement Account under current caps for higher estimated future payouts.
Housing and CPF retirement planning interact: property use, remaining lease and sale refunds matter.
A qualifying property with lease extending to age 95 can affect flexibility to set aside cash down to BRS.
When a member dies, any remaining CPF LIFE premium balance and applicable other CPF savings are distributed to beneficiaries under the rules.
Use the genuine CPF payout estimator and Retirement Dashboard before changing payout or top-up instructions.

Definition lock: CPF LIFE is longevity insurance

The aim is to provide income throughout retirement

CPF LIFE pools longevity risk so eligible participants can receive monthly retirement income no matter how long they live. Unlike a simple bank account whose balance will eventually run out if withdrawn continuously, the annuity structure is designed for payments over an uncertain lifetime. This matters in Toa Payoh, where an older resident may stay in the same HDB home for many years and still need reliable money for food, utilities and daily expenses. The value of a lifelong stream is its continuity, not a promise of identical returns to an investment portfolio.

It is not a universal salary replacement

A person’s actual monthly payout depends on Retirement Account savings, chosen plan, payout start age and actuarial factors. One CPF member may have significantly more savings than another despite living in the same block. Government retirement-sum tables show reference points, not an identical amount awarded to every Singaporean senior. Use the official estimator based on your own account rather than a social-media promise of a particular payout for everybody turning sixty-five.

Reader check: Compare your actual CPF Retirement Account and age with the applicable cohort sum, then use CPF’s personal estimator and official payout instructions before making an election or a top-up.

The age-55 Retirement Account milestone

A new account organises retirement savings

CPF opens a Retirement Account when a member reaches 55 and moves relevant savings from the Special Account and Ordinary Account under its current rules. The Special Account for members aged 55 and above was closed under changes implemented in 2025, with relevant amounts redirected according to the Retirement Account and Ordinary Account rules. The purpose is to support the required retirement sum while preserving the appropriate withdrawal framework. A new Toa Payoh homeowner may have used OA savings for a flat, which can influence what cash remains available for retirement.

Account balances are not one spendable wallet

OA, MediSave and the Retirement Account have different legal purposes. A person cannot simply add all balances and assume the total can be withdrawn or used for a property at any time. Upon turning 55, some excess amounts may be withdrawn under current conditions, while savings set aside for retirement support later monthly payouts. Check the CPF Retirement Dashboard for the actual balances and permitted choices. A neighbour’s ability to withdraw cash is not evidence that everyone else has the same entitlement.

The three retirement sums

BRS, FRS and ERS are reference points

The Basic Retirement Sum is intended as a reference for basic living needs excluding rental expense. The Full Retirement Sum is double BRS and is the default amount set aside in the Retirement Account when a member turns 55, to the extent available. The Enhanced Retirement Sum is double the current year’s FRS and serves as the maximum voluntary top-up limit for members aged 55 and above. These levels help explain possible retirement incomes; they are not a requirement that every retiree must deposit the ERS or cannot receive any payment without reaching BRS.

The cohort concept prevents confusion

The Full Retirement Sum that applies to someone turning 55 in 2026 is not the same amount as the FRS for someone turning 55 in 2027. CPF sets the applicable cohort reference when the member reaches 55, and that FRS remains fixed for the person’s lifetime. Meanwhile, the ERS ceiling for voluntary top-ups is adjusted by the current year. A family should always ask the person’s birth year and which sum is being discussed before copying an amount into a retirement plan.

2026 BRS, FRS and ERS

The current 2026 figures are published

For members turning 55 in 2026, CPF lists the Basic Retirement Sum at S$110,200 and the Full Retirement Sum at S$220,400. The 2026 Enhanced Retirement Sum is S$440,800. These figures represent savings reference amounts, not monthly benefits paid in cash. A person should not confuse a retirement sum of S$220,400 with an annual pension or an immediately withdrawable bank balance. The amount contributes to future payout calculations under CPF’s rules and actual account circumstances.

An example helps with scale

CPF’s current illustrated table for a male member on the Standard Plan shows S$220,400 in RA at age 55 growing to about S$330,100 by age 65 under assumed CPF interest and providing an estimated S$1,780 monthly payout from 65. This is based on the specific assumptions in CPF’s table and may be adjusted over time for long-term interest or life-expectancy changes. It does not guarantee that a female member, another birth cohort or someone starting later will receive precisely that amount.

2027 retirement sums

The next cohort figures are already published

CPF has published the retirement sum references for people turning 55 in 2027: BRS S$114,100 and FRS S$228,200. It also lists the 2027 Enhanced Retirement Sum at S$456,400. A family planning for a 2027 birthday can use these numbers now rather than assume the 2026 amounts will remain unchanged. However, the person’s final retirement balance will still reflect actual transfers, savings, interest and voluntary top-ups. The number in a public table does not by itself create an entitlement to the maximum monthly annuity.

Do not add two retirement sums together

FRS already represents twice the BRS. ERS represents four times the current year’s BRS, not a fourth separate fund that must be added to BRS and FRS. Some headlines present the three as though a member needs to save all of them cumulatively. That is incorrect. They are alternative reference levels for retirement planning. The appropriate choice depends on resources and desired payout, not a mathematical requirement to hold the sum of every published figure.

CPF LIFE eligibility and automatic inclusion

Birth cohort and retirement savings determine inclusion

CPF says Singapore Citizens and PRs born in 1958 or later who have at least S$60,000 in retirement savings when they begin monthly payouts are generally included automatically in CPF LIFE. People who are not included automatically may instead receive Retirement Sum Scheme payouts, which are based on available savings and can stop when the balance is depleted. Automatic inclusion should not be confused with being eligible to opt in voluntarily. The actual CPF account and notice determine the status.

People with lower savings can still have choices

CPF says members who were not automatically enrolled may choose to join CPF LIFE between age 65 and one month before turning 80, even without a fixed minimum savings requirement for voluntary enrolment under current rules. The eventual payout depends on the balance, and it may be modest. A person should not assume that failing to reach FRS makes any retirement payout impossible. Use the official plan estimator and eligibility guidance rather than give up on the process.

Payout eligibility age versus retirement age

The two ages describe different laws and purposes

Singapore’s statutory retirement age rose to 64 in July 2026, with the re-employment age rising to 69. The CPF payout eligibility age remains 65. A worker reaching the new retirement age may still have a job, while another person may stop working earlier yet wait to access CPF retirement payouts. These are different legal and financial milestones. Some Toa Payoh residents may choose to work while drawing CPF LIFE, where rules permit; the two concepts are not mutually exclusive.

Do not rely on an old age 63 article

An older guide might state the statutory retirement age as 63, but that figure changed in 2026. It could still correctly state the CPF payout age as 65. A helpful article identifies both dates and the distinction. For an actual employment or retirement decision, use the current Ministry of Manpower and CPF rules, because age thresholds can change again. The member’s specific options and workplace circumstances matter.

Why age 65 is a choice point

Payouts can begin when eligible

CPF notifies members about payout options approximately three months before the 65th birthday, using the registered communications channel. The member can then use the ‘Plan my monthly payouts’ service to select a CPF LIFE plan and start date as appropriate. A senior who needs regular income to meet household spending may prefer to begin at 65. Another with employment or other resources may consider waiting. Starting at 65 is not a financial mistake merely because a later payout could be larger.

The correct plan is based on cash flow

A household budget should identify normal living costs, dependants, emergency cash and other income. An abstract mathematical preference for a higher payment at age 70 does not pay groceries during the five years before that. The person may also have other priorities and different life circumstances. CPF recommends using its personalised estimator rather than applying a universal rule. A considered decision is better than assuming all retirees should defer or all should start immediately.

Deferring until age 70

Later payouts can be higher for life

CPF Board states that starting CPF LIFE payouts later, up to age 70, can increase the eventual monthly amount by up to 7% per year deferred. Over the five-year interval from 65 to 70, the published headline increase can be up to 35%. The exact effect depends on the member and chosen plan. This is an increase in the later payout amount, not five years of payments held in an unrestricted bank account that the member can always withdraw as a lump sum.

The trade-off includes foregone earlier payments

Someone deferring from 65 gives up receiving those earlier monthly payouts in exchange for higher payouts later. Nobody knows precisely how long they will live, and household needs differ. A simple comparison must consider both the amount and the timing. CPF’s August 2026 educational guidance explicitly notes that deferral may be suitable when other income can cover expenses, but starting earlier may be more practical when funds are needed now.

What happens automatically at 70

The system prevents indefinite postponement

CPF’s current guidance says monthly payouts start automatically when the member turns 70 if no payout instructions have been given. An eligible CPF LIFE member who has not selected a plan may default to the Standard Plan at that point. This does not mean a person can defer payout starts beyond age 70 simply by ignoring notices. It provides a maximum deferral boundary under the scheme. A family assisting an older resident should check whether instructions have been submitted rather than assume nothing will happen without a new form.

Keep bank details current

Monthly payments need a legitimate nominated bank account and accurate member records. A person who recently changed banks or moved homes should update the relevant information through official CPF services. An unsolicited caller offering to ‘release held CPF LIFE’ in exchange for a transfer fee should not be trusted. CPF’s real portal and payout notices are the authoritative record.

The Standard Plan

Relatively steady monthly income

The CPF LIFE Standard Plan is designed to provide a fairly steady monthly payout for life. It can be useful for someone who values a predictable regular sum for budgeting, though a fixed nominal amount may buy less as prices rise. CPF’s official educational materials describe it as a straightforward starting point for retirement income planning. It does not mean the payment is guaranteed to rise automatically with inflation or that the person is required to spend a fixed amount each month.

Budgeting still requires review

A Toa Payoh senior might allocate a regular payout among food, utilities, S&CC, transport and other essential spending. These costs can change. Even with a steady payout, the household may need to review spending or use additional income and assistance. A plan should be chosen after looking at real expenses and the person’s RA balance, not because Standard sounds universally best.

The Escalating Plan

Payouts increase 2% annually

The CPF LIFE Escalating Plan starts with a lower monthly payout than the comparable Standard Plan and increases that payout by 2% each year for life. The annual increase occurs in the month of the first payout. CPF offers an example where a monthly S$1,000 beginning at age 65 grows to about S$1,500 at age 85 under this 2% path. The mechanism aims to help with rising costs over a long retirement, although actual inflation may be higher or lower than 2%.

A lower initial payout can be a real constraint

A person who already struggles to cover essential spending may not find the lower starting income workable, even if the future amount rises. Someone with adequate early resources may value the protection of gradual growth. This is a trade-off between present and later purchasing power, not proof that everyone should select the escalating option. Use CPF’s personal comparison and realistic household numbers.

The Basic Plan

A different payout and premium structure

CPF describes the Basic Plan as having lower initial monthly payouts and a pattern that can decrease as the relevant RA savings are drawn down, particularly when balances fall below the specified S$60,000 threshold. It differs from the Standard and Escalating plans in how premiums and remaining RA balances support payments. The plan still provides lifelong payouts under CPF LIFE, but its future monthly income pattern may suit only certain preferences and ability to adjust spending.

Do not choose by assumed bequest alone

Some people compare the plans based on what they hope to leave to relatives. CPF points out that bequests and payout patterns depend on when a member dies and the remaining premium balance, so a large expected inheritance is not a simple guaranteed feature. The member’s own retirement living needs should be central. Seek official details about the Basic Plan before choosing based on an online comment that it always pays the most to beneficiaries.

How payouts are calculated

Several inputs affect the estimate

CPF says monthly payouts reflect the amount of RA savings used as the annuity premium, payout start age, prevailing CPF interest assumptions and mortality experience. A higher RA balance usually supports a higher payment, while deferral can increase the eventual amount. Illustrations may also differ for male and female members due to life-expectancy assumptions. No neighbourhood-specific bonus is added because someone lives in Toa Payoh rather than another town. The individual account and plan matter.

Use the official payout estimator

The CPF monthly payout estimator and Retirement Payout Planner can model actual account savings, chosen plan, start age and possible top-ups. Their outputs are estimates based on current assumptions rather than an unconditional investment return. They are more useful than a generic ‘CPF pays S$2,000 at 65’ headline without identifying the balance and cohort. Save the assumptions before making a significant cash transfer or payout election.

A 2026 official illustration

S$220,400 at 55 can support a published estimate

CPF’s published example for a male member who is 55 in 2026 assumes S$220,400 in RA at that age, growing through interest to about S$330,100 at 65 and supporting about S$1,780 monthly on the Standard Plan when starting at 65. If starting at 70, the same example shows about S$2,380 monthly. These are specific illustrative figures, not actual payouts for everyone with a four-room HDB flat or everyone who has contributed to CPF for thirty years.

Keep the basis attached to the numbers

Gender, account growth, age and future assumptions matter. A household should not convert the published example into a promise for a person born in 1950 or someone with S$50,000 at 55. In the same official table, a male example with S$110,200 at 55 has a lower estimated payout than one with FRS. This reinforces the need for personalised planning rather than copying a high headline amount into a family budget.

Topping up the Retirement Account

More eligible savings can increase future payouts

CPF allows members to make cash top-ups or transfers to RA within the applicable maximum and scheme conditions, potentially increasing lifelong payout estimates. The ERS sets a current-year ceiling for members aged 55 and above, while the individual’s cohort FRS stays fixed. A person who can comfortably spare money may consider a top-up, but it reduces the cash available for other needs. It is not automatically prudent to transfer every available bank dollar into the annuity without assessing liquidity.

Cash transfer rules can be irreversible or restrictive

CPF accounts have withdrawal conditions, and top-ups generally cannot be treated as ordinary bank deposits that can be reversed whenever desired. Before paying, understand how the money will be allocated and when it can support withdrawals or payouts. The official calculator and account service show eligibility. A household with existing expensive debts or near-term caregiving costs may need professional advice before making an unusually large top-up.

Matched Retirement Savings Scheme

Some members may receive matching help

CPF describes the Matched Retirement Savings Scheme as providing dollar-for-dollar government matching grants for eligible members with lower retirement savings who make qualifying cash top-ups. Current published support is up to S$2,000 annually and a lifetime cap of S$20,000, subject to scheme conditions. This can help certain seniors gradually increase RA savings without implying that everyone receives an automatic cash bonus. The grant may be credited within the retirement-savings framework rather than paid as spendable cash.

Check personal eligibility first

The scheme’s assessment can consider factors beyond age or income, and the top-up should be made through a legitimate CPF route. A family member assisting a parent can check the current CPF service for eligibility and timing rather than sending money to an intermediary who promises government matching regardless of circumstances. The benefit should fit the household’s actual capacity for cash top-ups.

CPF retirement and HDB home ownership

The home may affect withdrawal flexibility

CPF’s retirement guidance allows certain homeowners with a Singapore property whose remaining lease lasts to at least age 95 to set aside the required retirement amount using a mixture of property and cash, providing the relevant ability to withdraw RA savings down to BRS under conditions. This is not a general rule that every HDB owner can take half of RA savings in cash. The property, lease and person’s retirement savings affect the outcome. An old Toa Payoh resale flat can have a shorter remaining lease than a newer flat.

Owning a home also creates recurring costs

A paid-up flat can reduce rental expense in retirement, but it still has utilities, conservancy charges, maintenance and possibly property tax. The person may also face major repairs or mobility upgrades. An annuity plan should be considered alongside those real cash needs. Selling or rightsizing can affect CPF refunds and RA balances, so a housing decision should not be made solely to unlock one maximum monthly payout figure without understanding the property transaction.

CPF LIFE compared with Retirement Sum Scheme

Some members receive a different type of payout

If a member is not included in CPF LIFE and does not opt in, retirement payouts may be made under the Retirement Sum Scheme until the available savings are depleted. The lifelong feature of CPF LIFE is therefore a material distinction from an account-based finite payout stream. CPF currently says members not automatically included can choose to enrol voluntarily under the stated age window. The available choice depends on account and scheme eligibility.

No FRS does not mean no payout

A person with relatively low RA savings can still have retirement payouts, although the amount may be smaller and the scheme type may differ. The Basic, Full and Enhanced sums are guides to adequacy rather than entry tickets to any retirement income. AIC or CPF can help explain other assistance when a person’s monthly income is insufficient for basic living needs. Do not encourage someone to abandon the official process because their savings do not reach a published reference amount.

2027 contribution rate changes for senior workers

Rates increase for workers aged above 55 to 65

CPF announced higher contribution rates from 1 January 2027 for employees aged above 55 to 60 and above 60 to 65, based on wages earned from that date. For earnings above S$750 monthly, the combined rate rises from 34% to 35.5% for those above 55 to 60, and from 25% to 26% for those above 60 to 65. Increases are allocated to the Retirement Account up to the FRS, with further allocation under the prevailing rules. Other wage bands and citizenship periods have their own details.

The change is not a new payout age

An employee may contribute more toward retirement in 2027 without the CPF LIFE payout eligibility age moving from 65. The statutory retirement age, re-employment provisions and CPF contribution allocation are separate policies. A Toa Payoh worker preparing to retire can check payslips and CPF contribution statements under the new table rather than assume every extra employer contribution appears as disposable cash salary.

What beneficiaries receive after a death

Remaining balances follow CPF rules

CPF says that when a CPF LIFE member dies, any remaining CPF LIFE premium balance, together with other remaining CPF savings, is distributed to beneficiaries under the applicable nomination rules. There may be no remaining premium balance after very long payout duration, even though lifetime payments have supported the member. A bequest is therefore not a fixed guaranteed inheritance equal to the original premium. The person should understand this before choosing a plan based only on family expectations.

A nomination is distinct from a will

CPF nomination determines distribution of eligible CPF savings in accordance with the CPF framework; an ordinary will does not automatically replace the CPF nomination. A family can review the existing nomination and make a valid update where circumstances change. The decision should reflect the member’s wishes and lawful process, not a relative’s insistence on controlling the account. Securely store relevant official confirmation and avoid sharing account credentials.

Comparing plans without false precision

Start with the budget, not just a high payout number

A person choosing between Standard and Escalating plans can estimate groceries, bills, healthcare out-of-pocket costs, transport and normal household support. They can then compare today’s payout under each plan and its future pattern. The Basic Plan may be another option, with its own trade-off. A higher possible payment at a later age is not automatically more useful if the person lacks resources now. The correct decision should consider the whole income picture and the member’s preferences.

No one knows the perfect future scenario

Future inflation, lifespan, housing costs and family circumstances are uncertain. CPF LIFE is structured to provide predictable forms of retirement income, but individual financial planning still involves judgement. Use conservative assumptions and avoid marketing claims that one plan is always the mathematically best choice for everyone. A household can use the official estimator to explore several scenarios before selecting.

A first-week CPF retirement checklist

Review account, cohort and preferred start age

Begin at the CPF Retirement Dashboard and note the actual RA balance, applicable cohort FRS and any available top-up headroom. Check whether CPF LIFE automatic inclusion applies, then estimate monthly payouts under all relevant plans at 65, 67 and 70. Compare those figures with monthly needs and any remaining employment or other income. Finally, check nomination and the bank account for payouts. These are distinct but manageable steps that do not require a visit to HDB Hub.

Use an authorised support route if needed

A family member can help with navigation but should not request the member’s Singpass password or decide the plan without appropriate consent. Where a person lacks digital confidence, use CPF’s official assistance and appointment routes. Significant top-ups, withdrawals and annuity elections may have long-term consequences, so ensure the member understands them. Document the selected instruction and any next review point privately, rather than making repeated assumptions based on a generic article.

Frequently Asked Questions About CPF LIFE in 2027

What is the CPF LIFE payout age in 2027?

The payout eligibility age remains 65. Members may choose to start between 65 and 70.

Did Singapore’s retirement age increase?

Yes. The statutory retirement age became 64 in July 2026, but CPF’s payout eligibility age remains 65.

What happens if I do nothing until age 70?

CPF says payouts start automatically at 70, with the Standard Plan applied where no CPF LIFE plan was selected.

How much is the 2027 Basic Retirement Sum?

S$114,100 for members turning 55 in 2027, according to CPF’s published schedule.

What is the 2027 Full Retirement Sum?

S$228,200 for that age-55 cohort.

What is the 2027 Enhanced Retirement Sum?

S$456,400, the published top-up ceiling reference for members aged 55 and above in that year.

Must everyone save the FRS to receive CPF LIFE?

No. Actual retirement savings determine payout amounts, and eligible members with lower balances can still have payout options.

How much does deferring to 70 increase the payout?

Up to 7% for each year deferred, or up to 35% over five years, depending on the plan and individual circumstances.

Which plan raises payouts by 2% annually?

The CPF LIFE Escalating Plan, starting with a lower initial amount under comparable conditions.

What is the Standard Plan?

It provides a relatively steady nominal monthly payout for life.

Can someone not automatically enrolled choose CPF LIFE?

Under current conditions, eligible members may join voluntarily from 65 until one month before turning 80.

What happens to unused premium after death?

Any remaining CPF LIFE premium balance and other applicable CPF savings are distributed under the scheme and nomination rules.

Will extra 2027 senior-worker CPF contributions change payout age?

No. The announced contribution rate increase changes retirement savings allocation, not the basic eligibility age.

Official CPF LIFE, Retirement Sum and 2027 Sources

Reviewed 7 November 2026. Retirement sums are dated by cohort, and estimated payouts depend on personal balances and assumptions. This is general retirement planning information rather than personalised financial advice. Verify all elections and balances in the official CPF services.

The most useful CPF LIFE decision is one grounded in the individual’s actual balance and retirement budget. For members turning 55 in 2027, the new retirement sums are published, while people reaching 65 can choose when to start lifelong payouts and which plan fits their needs. A personalised CPF estimate and careful household planning matter more than any single advertised maximum payout.

More Practical Toa Payoh Information

Explore these companion guides covering safer homes, long-term care, consumer rights and CPF retirement decisions. Check official sources when eligibility, fees or procedures may change.

Toa Payoh Information | CPF LIFE 2027 Retirement Sums, Payout Ages and Plans