If you have made a nomination under the CPF Act, your nominee shall be entitled to the funds in certain CPF accounts regardless of what is stated in your Willi. If you have not made a nomination, your funds will be distributed under the law in accordance with the Intestate Succession Act.

Even if you have a Will, you need to nominate so that your CPF savings, DPS insured sum, Discounted Singapore Telecom shares, fixed deposits under CPF Investment Scheme-Special Account (CPFIS-SA) and Economic Restructuring Shares (ERS) will be paid to your nominees.

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If you have a valid CPF Nomination, the following items will be distributed to your Nominees in the proportion as stated in your Nomination upon your death:

(a) Savings in the Ordinary, Special, Medisave and Retirement Accounts;
(b) Dependants' Protection Scheme (DPS) insured sum;
(c) Discounted Singapore Telecom shares;
(d) Fixed deposits under the CPF Investment Scheme - Special Account (CPFIS-SA), which will be converted to cash to form part of CPF savings; and
(e) Economic Restructuring Shares (ERS), which will be converted to cash to form part of CPF savings.

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Yes, you still need to nominate because the distribution of your CPF savings, DPS sum insured, shares in an approved corporation, fixed deposits under CPFIS-SA and ERS, is by way of nomination.

The CPF Board will transfer the following to the Public Trusteei for distribution in accordance with the intestate law:

(a) Savings in the Ordinary, Special, Medisave and Retirement Accounts;
(b) DPS insured sum;
(c) Fixed deposits under the CPFIS-SA, which will be converted to cash to form part of CPF savings; and
(d) ERS, which will be converted to cash to form part of CPF savings.

The following will form part of your estate:

(a) Cash and investments held under the CPFIS-OA;
(b) Investments held under CPFIS-SA, excluding fixed deposits;

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If you are a Non-Muslim, the Public Trustee will distribute your CPF savings in accordance with the Intestatei Succession Act. Your CPF savings will be distributed to your next-of-kin.

If you are a Muslim, your CPF savings will be distributed in accordance with the Inheritance Certificate.

If the beneficiary of your unnominated CPF monies is under the age of 21 years, the Public Trusteei will hold the minor's share in trust until he attains 21 years old. This is applicable to both Muslims and non-Muslims.

Divorce does not revoke your previous nomination. This is because you may still wish to provide for your ex-spouses and children. You may therefore wish to re-nominate when divorce takes place