1 thought on “Pledging Our Property to CPF Retirement Account (RA)

  1. FYI pledging your property has several drawbacks as well.
    1. You cannot sell the property.
    2. By halving the minimum sum, you also halve the amount of annuity you obtain via CPFLife.

    Ignoring the bequeathment upon death and assuming you do live a ripe old age, CPFLife annuity is pretty hard to beat. Unless you have a good idea of what you’d do with the money, please do not pledge your property.

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