What happens to your CPF if you pass on without making a nomination?

Realised a lot of people (especially younger ones) might not know this.

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If you don’t make a CPF nomination, your CPF savings won’t be distributed based on your will. Instead, the money goes to the Public Trustee’s Office, which then distributes it according to intestacy laws (or Muslim inheritance rules). This process can take time and admin fees are deducted too.

Meaning:

• Your CPF may not go to the person you actually want
• Your family might have to wait months
• They could receive less due to fees

CPF nomination is free and can be done online, but many people keep postponing since it feels “not urgent”.

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Curious to hear:

• Have you already made a CPF nomination?
• If not, what’s stopping you?

For those who want a clearer explanation, this article breaks it down nicely:
👉 https://plannerbee.co/learn-personal-finance/cp...

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Good reminder that some “small admin things” actually matter a lot.