[p1acebo]

The logic is given below is wrong!


You put more in RA as ERS of course you get more.
But if you die at 85 the bequest is zero. While your children still get 90K if you put in SA instead of topping up the RA to ERS

The govt is using the imoney of those who die early to pay those who die later. But if you die before 95 the total you get less.

It's not a one size fits all solution.  Some folks have no children or do not see the need for a behest to the NOK.  Then the Standard Plan's payout is better, especially as a hedge against longevity.

Also, the behest is already 0 for Standard at 80 and not 85.  At around age 90, all behests are ZERO.  So there are many variables.  CPF Life is not an investment plan.  You need to look at it in terms of an Annuity Plan instead.

For those who think they have a rather short life ahead, granted, the Basic Plan is the way to go.