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You should make a CPF nomination if you want your CPF savings to be distributed according to your wishes. A CPF nomination allows you to specify who will receive your CPF savings upon your death. You can also specify the proportion each nominee should receive.
If you do not make a CPF nomination, your CPF savings will be transferred to the Public Trustee's Office (PTO) for distribution to your family members under the Intestate Succession Act or the Inheritance Certificate (for Muslims). The PTO charges your beneficiaries an administration fee for the distribution of your CPF savings.
