Regulation 4

is the appropriate amount set out in the second column of the Second Schedule; and

comprises —

the following amounts (which in total must be at least the specified amount in the third column of the Second Schedule):

an amount in cash;

where the member is a member with partial benefits, the member’s benefit component; and

the member’s property component (if any) which must not exceed the amount specified in the fourth column of that Schedule.

A is the total of the following amounts:

the total amount that has been credited into the member’s retirement account up to that time;

any determined amount paid to the member up to that time from moneys standing to the member’s credit in his or her ordinary account and special account, other than any excluded paid amount;

B is the total of the following amounts that have been credited into the member’s retirement account up to that time:

any interest under section 6(4) of the Act;

any additional interest under section 6(4B) of the Act;

any cash grant (within the meaning of section 14(5) of the Act) credited before 1 January 2026 into the member’s retirement account under section 14(1) of the Act, excluding all of the following:

any cash grant administered by the Ministry of National Development or the Housing and Development Board;

any cash grant known as the Earn and Save Bonus;

any cash grant credited into the member’s retirement account due to the closure of the member’s special account, on the direction of the Minister under section 14(1) of the Act;

paid before 1 January 2025; or

paid on or after 1 January 2025 which, at the member’s request in any particular case, the Board treats as having been paid before that date;

any monthly income due to the member under section 27K(6) of the Act, if —

the member is a relevant member;

the member has nominated, in accordance with section 25(1)(a)(iii) of the Act, any person to receive a portion of the amount payable on the member’s death out of the Fund;

that nomination is not, to the best of the Board’s knowledge, revoked; and

the member has applied to the Board under the Central Provident Fund (Lifelong Income Scheme) Regulations 2009 for the monthly income to be paid into the member’s retirement account; (v)any amount paid to the member’s account pursuant to regulation 19(1) and (2); (vi)any excluded transferred amount; (vii)any amount paid into the member’s retirement account under section 27L(5) of the Act; and

C is the total of the following amounts that have been withdrawn from moneys standing to the credit of the member’s retirement account up to that time (except any amounts withdrawn from the amounts mentioned in sub‑paragraph (b)):

any amount withdrawn from the member’s retirement account under section 15AB(1), (2), (3), (4), (6), (7), (8) or (9) of the Act or a former provision;

any amount withdrawn from the member’s retirement account mentioned in section 21(1), 21A(1) or 21B(1) of the Act or transferred to the member’s ordinary account under any of the following regulations:

regulation 17B of the Central Provident Fund (Approved Housing Schemes) Regulations 1986;

regulation 6B of the Central Provident Fund (Approved HDB‑HUDC Housing Scheme) Regulations 1987;

regulation 8A of the Central Provident Fund (Approved Middle‑Income Housing Scheme) Regulations 1975;

regulation 7A of the Central Provident Fund (Ministry of Defence Housing Scheme) Regulations (Rg 13, 2006 Revised Edition);

regulation 15A of the Central Provident Fund (Non‑Residential Properties Scheme) Regulations 1986;

regulation 23A of the Central Provident Fund (Residential Properties Scheme) Regulations 1982;

any amount transferred or paid to the member’s spouse from the member’s retirement account under section 27B of the Act;

any amount restored or paid to one or more accounts (of that member or any other member) in the Fund, from that member’s retirement account under section 13(7H)(a), (7HA)(b)(i) or (c)(i) or (7HB)(a) of the Act;

any amount refunded or paid to a person from the member’s retirement account under section 13(7I)(a) of the Act;

any amount transferred to a relevant individual from the member’s retirement account under section 18 of the Act;

any amount withdrawn from the member’s retirement account under regulation 12A;

in relation to —

any cash grant mentioned in sub-paragraph (b)(iii)(A), (B) or (C); or

any cash grant credited into the member’s retirement account under section 14(1) of the Act on or after 1 January 2026, other than those mentioned in sub-paragraph (b)(iiia) or (iiib),any amount recovered by the Board from the member’s retirement account pursuant to section 14(3) or (3A) of the Act;

any amount of the remaining moneys —

refunded to a giver’s account from the member’s retirement account under section 19D(2) or (7)(a) of the Act; or

paid to a payer, the personal representatives of the payer or a proper claimant from the member’s retirement account under section 19D(3) or (7)(b) of the Act;

any amount refunded from the member’s retirement account under section 19(1) of the Act as in force on or after 1 April 2022;

any amount withdrawn or transferred from the member’s retirement account under section 15(1B) of the Act;

any amount deducted from the member’s retirement account under section 45(2) of the Act;

any amount recovered by the Board from the member’s retirement account under section 57C of the Act;

any amount refunded or paid from the member’s retirement account under section 71 of the Act.