Engaging Singaporeans on CPF Policies and Retirement Adequacy
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1 Engaging Singaporeans on CPF Policies and Retirement Adequacy
2 CPF is a cornerstone of Singapore s social security system Retirement Home Ownership Healthcare Mission To enable Singaporeans to have a secure retirement, through lifelong income, healthcare financing and home financing
3 CPF plays key role in supporting home ownership CPF can be used to finance home ownership CPF and home ownership form twin pillars of our social security system 9 in 10 Singaporeans own their homes Housing value can be unlocked to supplement retirement income
4 CPF addresses healthcare shocks through savings and insurance MediSave Medical savings account for personal and immediate family s approved medical expenses Members can save up to Basic Healthcare Sum (BHS) Currently set at $54,500 and will increase annually to keep pace with growth in Medisave use by elderly Risk-pooling through publicly administered insurance schemes MediShield Life Basic health insurance for life Helps pay large hospital bills and expensive outpatient treatments Protection for all SC/PRs, including the very old and those with pre-existing conditions CareShield Life Severe disability insurance Provides basic financial protection to Singaporeans who need long-term care Lifetime cash payouts for as long as individual remains severely disabled Premiums can be paid using MediSave savings
5 CPF enhances Singaporeans retirement adequacy in view of increasing longevity Out of Singaporeans aged 65 today About half are expected to live beyond age 85 Due to mortality improvements, younger cohorts are expected to live even longer 1 in 3 will live beyond age 90 Source: Singapore Department of Statistics
6 CPF policies to enhance Singaporeans retirement adequacy Top-ups were facilitated to allow CPF members set aside more for retirement CPF LIFE was introduced to address longevity risks by providing CPF members with lifelong monthly payout 3 CPF LIFE Plans available for choice: *[NEW] CPF LIFE Escalating Plan Implemented in 2018 Payouts increase at 2% each year Helps preserve purchasing power of these payouts
7 Recent enhancements to CPF policies to meet changing retirement needs The CPF Advisory Panel (CAP) was appointed in 2014 to study enhancements of the CPF system to enhance retirement adequacy and provide more flexibility for CPF members Incorporating CAP s recommendations, these measures have been adopted: Increasing top-up limit for CPF Retirement Account to Enhanced Retirement Sum (ERS) to allow CPF members to set aside more for retirement PEA Allowing payout commencement to be deferred up to age 70 for higher payouts CPF LIFE payouts increase up to 7% every year later the payouts start
8 Engaging members is crucial for them to benefit from the policies and flexibilities accorded to them Many members are not fully utilising CPF policies and flexibilities to prepare for retirement They often found CPF policies complex, constantly changing and difficult to understand
9 2 focus areas which CPFB recently strengthened engagement with members on Top-Ups CPF LIFE
10 (Millions) There is scope to encourage more members to build up their retirement savings through voluntary top-ups There has been encouraging take-up rates for top-ups Cash and CPF Top-Ups (Retirement Sum Topping-Up Scheme) but more members can be encouraged to do so We can further enhance our engagement efforts by updating our top-up messages to resonate more strongly with the public Involves understanding members motivations for and reservations towards topping up
11 Our comms messaging could have led to members inaction to making top-ups Unaffordability as reason for not topping up Conducted surveys with close to 500 internal staff and CPF members Top reason cited for not making top-ups was that members have daily expenses to meet Perception of unaffordability tied to comms messaging Communication materials highlight the maximum tax relief one can enjoy on cash top-ups May give members the impression that one needs to make large top-ups, which may be challenging for members with daily expenses to meet
12 Enhanced comms messaging to encourage members to make small but regular top-ups Solution: Tweaked comms messaging to position topping up as affordable Encourage members to top up small amounts regularly (e.g. $50/month) More manageable for members with daily expenses to meet Small amount as a starter to inculcate the habit of topping up Source: The Straits Times Source: Big R Chat Website
13 Many Singaporeans underestimate their life expectancy Out of Singaporeans aged 65 today, about half are expected to live beyond age 85 However, 80 is the age which Singaporeans expect to live to on average Source: HSBC The Future of Retirement Shifting Sands 2017 (Singapore Report) Singaporeans thus do not fully appreciate the benefits of life annuities and importance of saving enough for retirement
14 Efforts to engage members on retirement adequacy and CPF retirement policies Messages on increasing longevity are included in CPF webpage to educate Singaporeans on life expectancy However, caution has to be exercised when pushing out information on life expectancy
15 Singaporeans are generally not receptive to longevity messages Members could find messages on increasing longevity depressing The prospect of living longer lives, which is perceived to be of lowquality, is depressing Members could also misinterpret such messages as a prelude to a change in CPF policies Netizens comments on Straits Times Facebook Page in response to an ST article on rising longevity
16 Benefits of CPF LIFE are communicated more tangibly To allow members better appreciate the CPF LIFE scheme DO YOU KNOW? Many private annuities only provide payouts for a limited period. CPF LIFE not only assures you of a retirement income for life, it also ensures that you will always get back at least the amount you put into CPF LIFE, no matter how long you live. CPF LIFE provides the highest payout for every dollar committed compared to other private annuities. CPF LIFE is the only life annuity backed by the AAA-rated Singapore Government.
17 Existing engagement efforts and initiatives are also intensified Strategies Mass Objectives General messages to increase appreciation, maintain trust and confidence e.g. Mass media advertising, Social media Segments Tiered and tailored information e.g. Public talks, Grassroots talks 1-to-1 Personalised information e.g. CPF Retirement Planning Service (CRPS), Mobile Service Centres
18 Integrated marketing campaign: Encourage members to be better ready for their retirement with CPF Providing members with engaging and targeted content at different platforms so as to help them learn how to make the most of their CPF savings
19 Social Media: Innovative ways to forge affinity with the public #ICanAdult Digital Campaign Equipping and empowering young Singaporeans with CPF-related tips and information CPF in One Bite YouTube series Explaining CPF policy principles using local food analogies
20 CPF Retirement Planning Roadshows: Interactive exhibits to heighten members understanding of CPF Interactive and digital information touchscreens to help members understand the role of CPF in retirement planning in a fun and simple way across 5 roadshow locations Oct Bedok Town Square Nov Suntec City West Atrium Retirement Estimator Personalised calculation on the savings they need for the retirement income they want Upsize Your Retirement Payouts Digital touchscreen panels to visually illustrate CPF benefits, e.g. CPF transfers and cash top-ups
21 Members gave feedback that the roadshows were interesting and informative Members felt that the roadshows had enabled them to learn more about CPF schemes and retirement planning Review of 2018 Roadshow at Toa Payoh was featured on finance blog Heartland Boy The event answers the questions that I actually came here for, regarding retirement plans and interest Very informative, allow people to know how retirement plan work, create more awareness among youngsters Information presented is very concise and bite sized Interactive activities, coupled with digestible infographics, have made it easy to learn amazing tips at CPF s Retirement Planning Roadshow Such roadshows organised by CPF serve as mini CPF Learning Centres for the public that provide the building blocks to a more secure retirement.
22 Grassroots Leaders Engagement: Multiply reach further through Grassroots Partners 22
23 Mobile Service Centres: Bring CPF services closer to members NORTH Venue rotated every 2 months Nee Soon East CC Zhenghua CC *Chong Pang CC NORTH WEST Keat Hong CC Anchorvale CC NORTH EAST Ci Yuan CC Nanyang CC Braddell Heights CC WEST EAST CENTRAL Fengshan CC Bedok CC *Toa Payoh Library Ulu Pandan CC Leng Kee CC SOUTH Bukit Merah CC Whampoa CC 2016 *Repeated venues
24 CPF Retirement Planning Service (CRPS): Helping CPF members make informed decisions 1-to-1 CRPS Sessions Targeted outreach initiative for members turning age 55 Go through relevant CPF policies and applicable options using personalised materials presented in an infographic The service will be extended to members reaching Payout Eligibility Age as well Most have found the CRPS useful in helping them understand the CPF policies better and more than 96% would recommend to their family and friends
25 Mobile Service Centres and CRPS: Members compliments Mobile Service Centres Very professional, friendly. It s very good to have Mobile Service Centre, as we do not need to queue at the branches. Great to have Mobile Service Centre to give more people convenience and easy access for CPF transactions and enquiries. Mobile Service Centre is an excellent initiative. It is conveniently located and waiting time is shorter. The CSE had been very patient in answering the queries I had. CRPS Very personal one-on-one explanation and clarification of the retirement planning matters. Ms Lim Hui Kiang was very knowledgeable and clear with her explanation. Extremely clear and very reassuring. Good information provided to clarify retirement issues.
26 Revamped Yearly Statement of Accounts: Helping CPF members better understand their personal CPF balances The previous format presented account information in numbers and text, which made it difficult for members to understand the cumulative effect of their account transactions at a glance
27 Revamped Yearly Statement of Accounts: Helping CPF members better understand their personal CPF balances A personalised illustrated summary was added to help members better understand the various contributions to their CPF balances... Total CPF savings Total interest earned on CPF savings Summary of various sources of to their CPF (e.g. as work contributions and government support)
28 Revamped Yearly Statement of Accounts: Helping CPF members better understand their personal CPF balances... as well as the uses of their CPF balances, and this will enable them to make informed financial decisions How they had utilised their CPF savings for life s important needs (e.g. housing, healthcare, retirement etc.) Personalised messages and tips (e.g. how to maximise the interest earned on their CPF savings)
29 Feedback on revamped YSOA 97% of feedback received is positive/neutral Members agreed that the illustrated summary was An improvement Easy to understand Informative Detailed I think it is a big improvement from the previous version and certainly value-adds to the account holder's understanding of his/her financial position. Thumbs up to the pleasantly easy to read statement of account. The pie chart and detailed breakdown is so easy to read. The recent statement of account I read of Jan to Dec 2016 was informative, succinct and very easy to understand.
30 There is also a need to engage staff internally and provide them with opportunities to advocate for CPF Internal Engagement Efforts Engagement sessions to provide staff the opportunity to share their views and knowledge on the CPF system with each other Talks and workshops to equip our staff with knowledge of CPF policies and benefits
31 Summary CPF policies are constantly evolving to meet Singaporeans retirement needs. CPFB has intensified and will continue to enhance engagement efforts to ensure CPF members are better aware of CPF policies and utilise them for a better retirement.
32 Thank You Credits: Icons retrieved from Flaticon.com CPF CPF YouTub e
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