Singapore CPF is NOT a PENSION

In New Zealand, CPF is a pension fund

June 18th, 2015 |  Author: Contributions

If you wish to migrate to New Zealand – DON’T.

New Zealand

When you live and work and pay taxes in NZ for at least 10 years, you will be entitled to receive a pension when you attain 65 years of age.  However, the Chief Executive of the NZ Ministry of Social Development ruled that the CPF is a Pension Fund although it is actually from your contributions and your employer’s contributions. He actually conveniently believed the PAP propaganda that Singapore has an excellent social security pension fund called the CPF!

Would you not think that a person heading a large government department and paid a couple of hundred thousand dollars a year have more common sense, honesty and justice? NZ has a similar CPF fund called a Kiwisaver, also contributed from the employer and employee – BUT, it is voluntary and not compulsory.

This Chief Executive ruled that the Kiwisaver monies are not deductible from the NZ Pension payments but the CPF is so that he could reduce the superannuation budget and score points with the current government whose Prime Minister, Mr John Key, had worked in Merrill Lynch in Singapore in 1995 and collected his CPF monies before he left Singapore for Merrill Lynch London.

Therefore, a Singaporean who has already been cheated ONCE by the PAP government which allowed foreigners to withdraw their CPF except their own citizens (which is contrary to the Human Rights Act i.e. discrimination against nationality) – and now the Singaporean is cheated against another time by this Chief Executive of the NZ Ministry of Social Development, which is also contrary to the Human Rights Act (discrimination against Singaporeans whose life-time of compulsory savings have been hijacked by the PAP).

The Immigration brochures from the NZ Embassy has the slogan to entice qualified immigrants that states, “NZ the right choice”- is it really?

CPF is not a Pension Fund

29 Responses to “In New Zealand, CPF is a pension fund”

Giggling Girl:

June 18, 2015 at 2:17 pm  (Quote)

reminds me of why New Zealand is the only country where Singapore Citizens can apply for a Working Holiday Visa…because their gov’t is daft to actually believe the PAP AGENDA


Catch No Ball:

June 18, 2015 at 1:42 pm  (Quote)

Am I the only one here who catch no ball what this writer is trying to say? So what if CPF is considered a Pension Fund by NZ? Does he mean to say that NZ govt is intentionally out to cheat Singaporeans? Or that having CPF reduces any pension that you get from the NZ govt? If he migrated to NZ and only discovered this now, then whose fault you never check before you migrate?


June 18, 2015 at 7:33 pm  (Quote)

There are a number of language-challenged people like “Catch No Ball” making low grey-matter comments in this forum.

Malaysians living in NZ collect their EPF at 55 years. Therefore, they collect their full pension. The supposedly corrupt Malaysian govt did not cheat their own citizens of their life-time savings.


Singaporeans have their CPF hijacked from 55 to 65 and then only given out in drips and draps.

Singaporeans collect their CPF in monthly instalments e.g. $500 per month and the NZ govt deducts this amount from the pension as they consider CPF a pension when it is from your own savings. Thus, the NZ govt rubber-stamps the thievery of the Singapore govt and commits theft of $500 by not paying out the full entitlement!

So, Malaysians get the full pension but Singaporeans get the pension MINUS $500 – understand now?
If you still have family in Singapore, why must you give up your red passport, just to collect all your CPF? Malaysians have been coming to NZ many years before Singaporeans came to NZ and yet they still retain their Malaysian passports.

Thus, Singaporeans are discriminated against by nationality which is unlawful under the Human Rights Act.



June 18, 2015 at 9:22 pm  (Quote)

Let’s worry about what evil we are facing at home.

Let the kiwis worry about themselves!


June 19, 2015 at 7:44 am  (Quote)

“I am assuming the “OVERALL PENSION” is a combination of state-funded pension money + Kiwisaver money.”
The Kiwisaver money belongs to the account holder, is not deductible, is paid out in full at 65, and is not part of the state-funded pension – whereas the CPF savings have been ‘kidnapped’by the greedy ‘red dot’so-called, rotting founding father who fooled daft countries (GIGGLING GIRL: “reminds me of why New Zealand is the only country where Singapore Citizens can apply for a Working Holiday Visa…because their gov’t is daft to actually believe the PAP AGENDA”) that the CPF is indeed a wonderful social security pension, as if the money in the CPF came from the state.


June 19, 2015 at 5:38 pm  (Quote)

“Let’s worry about what evil we are facing at home.
Let the kiwis worry about themselves!” – from flabbergasted.

Dr Martin Luther King said:”Injustice ANYWHERE is a threat to justice EVERYWHERE.”


References :



First world CUNTry?:

June 27, 2015 at 3:40 pm  (Quote)

The little red dot has many, many LAWS but no JUSTICE. What a shame to boast about first in everything – first in INJUSTICE too!
The slide into depravity all began with the appointment of the crony banker as Cheap Justice – faster, speedier, better and not so cheap any more to obtain justice. How many innocent local citizens have been incarcerated and hanged until death?
Round and round the courts we go, who is next nobody knows. Keep on voting these real criminals at your own peril – you may be next!

Rating: +5 (from 5 votes)


June 29, 2015 at 4:39 pm  (Quote)

Not just are the PAP dipping their filthy, grubby fingers into the Singapore Citizens’ forced CPF savings, the Chief Executive of the New Zealand Ministry of Social Development also wants a portion of the hijacked CPF – making pensioners write to the CPF Board in the form devised by them – ” I resided in Singapore for ___ years and ___ months.
This may entitle me to a Central Provident Fund (CPF) comprehensive social security savings plan old age lump sum or monthly payments. I have been asked by the New Zealand government to check my eligibility.”
THEN THEY WILL DEDUCT (or get CPF to pay directly to NZ, like the British Government is paying directly English pensions to NZ) WHATEVER YOU GET MONTHLY FROM YOUR HIJACKED (by PAP)CPF SAVINGS.
Singaporeans are easy targets as the whole world can see because they allowed the PAP to steal their hard-earned forced savings – MONKEY SEE, MONKEY DO.
If PAP can DO, I can DO TOO!


July 3, 2015 at 4:28 pm  (Quote)

In no other country on this planet has a government stolen the savings of the people and the people vote them in for five decades. Is it too late? Perhaps it is, because in the article “CPF is not a Pension Fund” the NZ Chief Executive also targets Singaporeans who are entitled to NZ pensions. Australia is a more fair country as they do not target Singaporeans’ CPF savings.

Rating: +15 (from 15 votes)


July 3, 2015 at 5:59 pm  (Quote)

Is there any country where the peoples’ personal CPF life-savings are stolen from under their noses and they keep quiet about it, get sued if they ask about it, and still vote for these thieves? Then when you need money for your medical bills and sell your flat, you get nothing in your hand except a CPF statement, look at it and feel rich but remain hungry and sick and go around collecting tin cans and cardboard boxes?

A thief comes into your house and takes your savings – then he has the audacity to come back tomorrow and say you have to pay him for insurance that will “help” you pay your future medical bills.

A boy speaks the truth about what is really happening and is locked up, assaulted in front of the subordinate courts and locked up again, shackled to a bed, pissing into a bottle, then kept in a hard-core mental institution, abused by crazy “in-mates” screaming at him 24/7 in a tiny cell with lights switched on 24/7.

Is there any hope left?

Rating: +84 (from 84 votes)


Why CPF will always remain an issue

July 14, 2015 at 9:05 pm  (Quote)

Any Party in the coming ERECTIONs will WIN just on the issue of CPF. There are no people (except Singaporeans), no race or colour that will accept a government that will not return your money saved over a life-time of blood, sweat and tears. Even Malaysia does not dare to do what the PAP has done for 5 decades. American Presidents have been disposed off for not even doing a miniscule portion of the WRONGS done over this 50 years – CPF, HDB, DBSS, BTO, COE, Minimum Sum, Medisave, CPF Life, etc., a list too long to detail.

There is a saying, “You deserve the partner you choose”, so be aware and discerning, as 5o years of immorality is nothing to celebrate about this national day.

A nation of oppressed and betrayed citizens, held to ransom by the thieves they voted in again and again. I DON’T KNOW WHAT TO SAY.

Rating: +18 (from 18 votes)


International Scholarship Programme – Perfect Example of Discrimination Against Singaporeans

July 22, 2015 at 7:35 pm  (Quote)

The greatest DISCRIMINATION is not returning our CPF at 55 while returning the CPF SAVINGS in FULL of non-citizens.
Discrimination against Amos Yee as against the Filipino who threatened Singaporeans who has not had any action taken by the SPF.
Discrimination against Singaporeans by the old white bully on the MRT as no action taken against him.

Rating: +18 (from 18 votes)



CPF’s global pensions ‘B’ rating is wrong

July 20, 2015 at 7:38 pm  (Quote)

Ang Moh Kow are dafts. A pension is state-funded. CPF is a savings fund forced upon Singapore citizens whose hard-earned SAVINGS have been kidnapped. How can these idiots lump the CPF with all the countries that provide state pensions? Even in China (rated D), old people get a small pension. Even in Vietnam (not even in the list, so therefore rated E), old people get state-funded pensions.
Singapore gives pensions? You must be joking!
Your own savings suddenly becomes a pension?
If China is rated D and Vietnam rated E, then Singapore must be rated F – F for F..K.


Govt’s greatest Conflict of Interest

July 20, 2015 at 7:53 pm  (Quote)

“I understand that no Government in the world does not return such a huge proportion of the national pension fund returns to the people.”

The CPF is not a national PENSION fund. It is a national SAVINGS fund. There are no people in this world who will allow a small group of politicians to defer the refund of their life-time SAVINGS from 55 to 65 and then to monthly refund installments insufficient to rent a 2-room HDB flat.

This conflict of interest in every arena has been rampant for 50 years.


Analaysis of new boundary map drawn by Electoral Boundaries Review Committee

July 25, 2015 at 7:18 am  (Quote)


Do you want your CPF to be rightly returned to you as per the original contract, at 55 years old?

Then do not vote for the traitors who have betrayed you for the last 50 years with numerous wrongs – these cockroaches do not know what is RIGHT or WRONG and Singaporeans have lived in fear for too long.

Do you want a JUSTICE system that will be independent and not fix you up any which way they can, obeying these self-proclaimed aristocrats? All aristocrats were guillotined many years ago in the French Revolution.

Self-serving ilLEEgally rewarded politicians have no place in Singapore’s future.



3 thoughts on “Singapore CPF is NOT a PENSION

  1. Question for the CEO of NZ MSD -if kiwisaver is made compulsory for employees, does the kiwisaver change from a saving scheme to a pension scheme and is deductible from NZ superannuation?


    1. This is what they are scheming for – in future, the kiwisaver will be similarly termed like the CPF – “it can be seen as a pension”. Why would you pay thousands of dollars in fees to the Kiwisaver providers who may or may not invest wisely to get a positive return? If these providers invest foolishly and your accounts go negative, you would still have to pay the annual fees. Last week, on TV, it was stated that during the lifetime of Kiwisaver, one would have to pay between $14,000 to $65,000 in fees. The book, “The conscience of a ‘fair go’ nation” explains it all. Register your interest in it as it costs only $20 postage-paid to any city or town in New Zealand.
      Therefore, in future, those without kiwisaver accounts would receive full pensions and suckers with kiwisaver accounts would receive their own “saved pensions”.
      It would be more prudent to open a separate savings account, call it MyOwnKiwisaver account, or whatever name you wish to call it, and deposit monthly your 3% or 8% of your salary and you have complete control over your own money – no fees to pay and on reaching 65 years old, collect the full government superannuation (with no deduction from your own state-energised “can be seen as a pension” kiwisaver savings).
      The money in your separate MyOwnKiwisaver account is yours to control as NZ Super is not means-tested, according to their website (which did not state means-tested only for Singaporeans – like 100% PURE – Yeah, RIGHT!).


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