Eh...has sbst mentioned this yet? 
THe gabramen wants us to buy annuity with part of our cpf...which
will only start paying us at age 85!
If we don't live past 85, then sorry lah, the money stays in the
pool to pay other people lor.
At least this is what I've been hearing over the news....twice! I
still thot I heard wrongly....i hope. 