One of the relatively new features of CPF is CPF Life, which is an annuity. Annuities take a bunch of money from you upfront, in exchange for a steady stream of income until you pass. You can think of it as insurance for outliving your savings. How does this work? Well, like all insurance systems, there isn’t any magic. Basically, it puts together the savings of folks who might outlive what they put into pool, with those who go prematurely. So those with shorter lives subsidize those who live lo

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