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About 4 in 5 CPF members who passed away in 2023 had made a CPF nomination

No. of deceased members

Number and proportion of deceased members with nomination
Legend for number and proportion of deceased members with nomination

Notes:

  1. The larger increases in the number of deceased members from 2021 to 2022 were due to the higher mortality rates amidst the COVID-19 pandemic.
  2. Numbers based on CPF members only, and those aged 16 and above who are allowed to make CPF nominations.

Allowing loved ones to receive CPF savings swiftly and without any fees are the top reasons why members make a CPF nomination

Members’ top 5 reasons for making a CPF nomination

The top 5 reasons why members make a CPF nomination.

Source: From ground engagement roadshows from Jul 2023 to Jul 2024.

Younger members who passed away were less likely to have a CPF nomination. 2 in 5 members who passed away before age 65 in 2023 had no nomination.

Breakdown of deceased CPF members with and without CPF nominations by age

The proportion of deceased members with and without CPF nominations, by their age (i.e., age below 65 and age 65 and above).

Notes:

  1. Breakdown as at end December 2023.
  2. From 2012 onwards, only CPF members aged 16 and above are allowed to make CPF nominations.

Balances left by CPF members without nominations have increased over the past 3 years, with younger members leaving behind more

Median CPF balance of deceased members without CPF nominations

The balances left by CPF members in terms of their age (below 65, 65 and above and 85 and above), with those below 65 leaving behind more.

Notes:

  1. Figures rounded to the nearest hundred.
What happens if I did not make a nomination?

Making a nomination is free, and CPF, upon your demise, distributes nominated CPF monies, according to your wishes, generally within five weeks from notification.

If you do not make a nomination, your CPF savings will instead be transferred to the Public Trustee's Office (PTO) for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore.

The PTO also deducts a fee from your un-nominated CPF savings before distributing it to your beneficiaries. The distribution process can also take up to six months.

https://pto.mlaw.gov.sg/deceased-cpf-estate-monies/information-for-next-of-kin-cpf-monies/ false
Find out more from PTO
More than half of the nominations received in 2023 were made online

Prepare the following to make an online nomination:

  1. Your Singpass
  2. Your nominees’ NRIC particulars
  3. Two witnesses’ NRIC particulars (your witnesses must have Singpass)
https://www.cpf.gov.sg/member/tools-and-services/forms-e-applications/make-a-cpf-nomination?deeplink=true false
Make a nomination now
Resources

Need more information?

Statistics on CPF nominations

/content/dam/web/member/infohub/documents/cpf-trends/CPF_Nominations.xlsx false
View data in Excel (XLSX, 17KB)