Should I do a CPF Nomination?

As an estate planner and a senior consultant, my answer is always a resounding yes. On the whole,  it allows us to decide how we want our CPF monies to be distributed upon death. Here is how it works in Singapore.

Without CPF Nomination

In this case, the Public Trustee’s Office (PTO) will be responsible for the distribution of our CPF monies. Accordingly, the Intestate Succession Act dictates how our monies will be distributed. However, this may give rise to the following four problems:

Potential Problems without CPF Nomination

  1. An administrative fee will be charged.
  2. Requires time to locate the legally-entitled beneficiaries.
  3. The person whom you care for may not be part of the legally-entitled beneficiaries in the Intestate Succession Act.
  4. Distribution of our monies via the Intestate Succession Act may result in unintended beneficiaries.

Pre-requisites for CPF Nomination

There are three pre-requisites before we can make a CPF Nomination:

  1. First of all, we are currently a CPF member.
  2. Next, we are 16 years old or above.
  3. Finally, we are mentally sound.

Types of CPF Nomination

There are three types of CPF Nomination in Singapore.

  1. Cash Nomination
  2. Enhanced Nomination Scheme (ENS) Nomination
  3. Special Needs Savings Scheme (SNSS) Nomination

1. Cash Nomination

Cash nomination is our default option. In our demise, our nominees will receive our CPF monies in cash via cheque or through GIRO.

2. Enhanced Nomination Scheme (ENS) Nomination

On the other hand, we may choose to transfer our CPF monies to our nominee’s CPF account when we die. There are two options for this purpose:

SEE ALSO:  CPF Cash Nomination Scheme Singapore: A Step-by-Step Guide

i. Credit our CPF monies into the nominee’s Special Account or Retirement Account first;

ii. Credit our CPF monies into the nominee’s MediSave Account first.

N.B. Our nominees must a Singaporean or a Singapore Permanent Resident. Otherwise, they will receive our CPF monies in cash (Option #1).

3. Special Needs Savings Scheme (SNSS) Nomination

For children with special needs, we may use this scheme to nominate our child as the beneficiary. This is for the purpose of our child to receive our CPF monies on a monthly basis. Through this scheme, it guarantees our child’s welfare for as long as the payout last. In order to make the scheme work, the minimum payout is $250 monthly for a minimum duration of one year.


In any case, we cannot distribute our CPF monies through a Will. As a result, the Public Trustee’s Office will distribute our CPF monies according to the Intestate Succession Act in the absence of a CPF nomination. While this may be true, we can ensure that our monies reach the intended beneficiaries by submitting a CPF nomination. Ultimately, this is also our hard-earned money. 💰

Share Your Thoughts 💭

1️⃣ Have you made a CPF Nomination?

2️⃣ Which option will you choose?

3️⃣ On the whole, have you done estate planning for yourself?

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