CPF is in Singapore reserves. So Singaporeans working till 90yo and if they die, this CPF will go to their children's CPF who then have to work till 90yo and so on and all work till they die and never get to see their full CPF withdrawals as it will always for the future. But who will benefit from this? The multi-million dollars ministers as they don't have to wait till 90yo to get their multi-million dollars salaries every month.