QUOTE(catacomb @ Sep 11 2012, 11:13 PM)
By the way I think I did mentioned "The rules govern will be the same as Singaporeans unless you migrate to somewhere and surrender your Malaysian citizenship and never return to Malaysia"
But that is still entirely incorrect.Upon giving up one's SG PR...
1. The limitation is only applicable to Malaysians residing permanently in West Malaysian (ie. West Malaysians). It doesn't not apply to East Malaysians. If you change your residency (albeit permanently) from West to East Malaysia, you can withdraw your CPF in full just like everybody else.
2. Even if you reside in West Malaysia, you can still withdraw when your 55, or even earlier at 50 if you have not worked in SG for 2 years below that (ie. you stop working in SG when you're 48... and not necessarily give up your PR at 48).
So, it's a matter of residency in West Malaysia, not citizenship of Malaysia.
3. And after giving up your PR, you will never be 'the same as Singaporeans' no matter what. The Minimum Sum and Medisave Minimum Sum will not apply to you. And my guess is that CPF Life will be compulsory instead of opt out by the time we retire, and that too will not apply to non PRs.
Sep 12 2012, 12:11 AM
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