CPF Life - Standard Plan

[eggie011]

Turning 65 next month. My CPF Life has started.
I will document what happens until things settle into a steady state.
Hopefully, this will make this phase of CPF a little clearer as there's very little information shared in this forum for this phase.

Some background. At 55 (2016), I selected FRS. The sum was $161k (according to Google). A few years back, I did a little topup of about $10k to RA.

A few months back, I was asked to select my CPF Life start date and payout plan. I opted to start at 65 and chose the standard plan.

This is my CPF dashboard on 24 Aug 2026.

 

[eggie011]

This morning, upon checking my CPF, I discovered that most of my RA has been taken as CPF Life premium.

In case you're wondering why my RA is not empty, it's because I opted to withdraw 20% of my RA. Yes, you can do this when starting CPF Life.

See post #83 for the exact calculation.

 

[eggie011]

Reserved....

 

[lampano]

question - so your standard plan started, will the commited sum be wipe out from RA entirely?

your RA now is total as before or already they minus the standard plan sum

sorry i noob

 

[eggie011]

question - so your standard plan started, will the commited sum be wipe out from RA entirely?

your RA now is total as before or already they minus the standard plan sum

sorry i noob

No. As you can see above, they took about 83% of my RA for CPF Life premium.

 

[Dividends]

The power of compounded interest.

 

[Hello_Kitty]

No. As you can see above, they took about 83% of my RA for CPF Life premium.

so the remaining money in the RA, can withdraw???

 

[RSKeisuke]

No. As you can see above, they took about 83% of my RA for CPF Life premium.

i also wonder why it was not wiped? aren't all funds in RA be used as CPF Life premium?

 

[pohw0008]

So how much will you be getting monthly..

 

[RSKeisuke]

so the remaining money in the RA, can withdraw???

kind of weird... we have always been told money into RA is one way only and all meant for CPF Life premium...

 

[ramlee]

No. As you can see above, they took about 83% of my RA for CPF Life premium.

remaining amount in RA can do what after CPF Life starts?

 

[eggie011]

so the remaining money in the RA, can withdraw???

I believe so. I will wait for further instructions.

 

[lampano]

No. As you can see above, they took about 83% of my RA for CPF Life premium.

thanks got it

Congrats GXGX, enjoy yr retirments fund, u truly own it

 

[eggie011]

i also wonder why it was not wiped? aren't all funds in RA be used as CPF Life premium?

No. You can take back roughly 20%.

 

[eggie011]

remaining amount in RA can do what after CPF Life starts?

Probably can withdraw. I will update when that happens.

 

[eggie011]

So how much will you be getting monthly..

I should be getting the first payout on 2/3 Sep. I'll definitely update.

 

[Hello_Kitty]

since we need this thread, it shows that CPF is not that easy to understand

 

[Dividends]

Probably can withdraw. I will update when that happens.

Please do update us, I never knew RA can be withdrawn.

 

[killingtimes]

so called Lifelong Income Fund

 

[Hello_Kitty]

by the way, how to withdraw from CPF when we reach 55 years old??? the system will paynow me a fixed sum monthly???