Its true that the gahmen dont want u to touch yr CPF,,however I have many family frens and relatives who did not touch the CPF even when they have retired. Some that did,,take out bit by bit to spend. No one took out the whole lump sum....so even if the gahmen was not soo small gas,,,,many would not have done it. its the minority that blew it all in batam and prcs than fuck it up for the rest of us...