这个例子有问题For example, if you paid a CPF LIFE premium of $200,000 and pass away after receiving a monthly payout of $1,000 for ten months, we will pay your CPF LIFE premium balance of $190,000 (i.e. $200,000 - [$1,000 x 10 months]) together with any CPF savings to your beneficiaries. 如果给了２０万，十年死了，20年的利息呢，这个余额要用金融计算器才能算出来，随便一减，　一年４％　利息，１０年３－４万去哪里了？ 所以还是统筹，或者补洞了。