QUOTE(rookie93 @ May 1 2017, 10:29 PM)
regarding that PR Application, how did you manage to book an e-appointment? when i logged in, it only shows dates available 6 months in advance, and they're always full....

Everyday after work back home and check, before bed mid-night check again the slot. Some said system will release those cancellation during mid-night time (No idea how true is this, mine wasn't mid-night but weekend). When they release new slot will be 6 months forward. Otherwise, get ready docs and wait people cancel and got release and u get u slot by skipping all those queues. What I did is "check every single day" and refresh whenever got time.
QUOTE(TheReaderReads @ May 1 2017, 10:56 PM)
yes also 20% deduction of my gross income. but isn't that for my retirement? is a good thing too plus the CPF can be use to finance HDB.
getting that extra 17% for your CPF is good
it depends on how you look at it.
Yes, it really depends - Some people need "cash" right now than retire plan, not everyone the same. Some has medical expenses to cover for family, kid's education etc. Not everyone earn decent money after deducting their necessities, like housing loan back in MY for family etc.
QUOTE(TheReaderReads @ May 1 2017, 11:00 PM)
from what I heard, if you are willing to let go off your PR status, then you can withdraw all your CPF amount which applies to Peninsula ppl.
Sabahan Sarawakians have different condition as compare to Peninsula ppl
QUOTE(knwong @ May 1 2017, 11:18 PM)
You got it the other way round. Sabah Sarawakian allow full withdrawal of CPF. West Malaysian must wait til 50 yo
QUOTE(TheReaderReads @ May 1 2017, 11:25 PM)
Oh is it? even after letting go off my PR? i still have to wait until 50yo?
I do know that Sabah and Sarawakians can withdraw in full but I tot they dun have to let go PR and still able to withdraw lumpsum
What knwong said is true. U got it the other way.
https://www.cpf.gov.sg/Members/Schemes/sche...n-other-groundsQUOTE
Withdrawal of CPF by Malaysians residing in West Malaysia
Who is eligible?
You can withdraw your CPF in full if you meet all the following conditions:
You are a Malaysian Citizen and have left Singapore permanently to reside in West Malaysia.
You do not hold a valid Singapore Work Permit/Employment Pass and have renounced your Singapore Permanent Residency (if applicable).
You are either:
55 years old and above; or
Below 55 years old but above 50 years old and have not worked in Singapore in the last two years before your application; or
Physically or mentally incapacitated from ever continuing any employment or is found to be of unsound mind.
QUOTE(ThanatosSwiftfire @ May 2 2017, 10:31 AM)
Why r u ppl making these sort of plans. Most ppl end up in singapore permanently.
What u shud plan for, is how to be a citizen and how to get that BTO.
I agree on "most" people plan to stay in SG permanently, but not everyone walk that path to the end. Some people just have families to take care or commitment that they need to leave SG and their plan behind.
There are people that plan to retire elsewhere, due to family and alternative retirement plan as well.
I am not an expert, but an illustration, one uncle retired and got big sum of money in CPF at 60 years old, assuming he can lived up to 80 years old. He need to have at least 20 years of cost of living (with inflation year on year) and medical expenses (SG is rated world's top medical and expensive medical fees of course). The cost of living will be totally different after 60 years forward, hence they have no choice but to work part-time. Govt said "U don't work, u get sick and u got nothing to do, and got no money", so go to work. So, SG have Re-employment act, incentives for employing senior workers etc.
Assuming u can withdraw it in full, with FX to MYR. U can easily use the money to buy a landed house with 20 years of maid service, plus medical fees in suburban area.
Nevertheless, its my long personal view, does not mean that I plan to retire in MY, of course I would prefer retire and settle down in SG