The transfer of CPF savings to your ex-spouse can take place without you setting aside your retirement sum* first. This gives your ex-spouse certainty over the amount they can receive and they can use them immediately for approved purposes such as housing, investment and education. Your ex-spouse may also withdraw the CPF savings when they are entitled to.

 

In the event of a transfer of CPF savings upon the making of housing refunds pursuant to a disposal of the property, the Board will first transfer the amount to your ex-spouse. Thereafter, the remaining refunds will be used to make up your retirement sum, up to your applicable Full Retirement Sum. Any balance housing refunds will remain in your Ordinary Account, and you can decide how to manage it. 

 

*Only applies to members aged 55 and above.