If you are born in 1958 or after, you can withdraw additional amount of up to 20% of your retirement savings from 65

You should first determine if the payout amount is sufficient for yourself.

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If you need to increase the payout, then you will need to take on higher risk.

For low risk, then generally people will just opt for cpf life.

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If CPF is spare cash, then you can consider withdraw amount and pass on to your children if any, to say 'worth it'.

It depends, if you are at the age, maybe you think otherwise the needs at the point of time.

Personally, I prefer to withdraw the money from my CPF and invest elsewhere.

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But if you are not sure of how to invest safely, it will be better to leave the CPF money in CPF as a safe haven.

If you have needs for the fund when you reach 65 yo, it should be an easier decision to make, which is to withdraw. Also, if you are prepared to take risk at 65 yo and beyond, and such investment earn you better returns, you may withdraw and put it in personal investments.