govtech/PolicyBench · Datasets at Hugging Face

path_to_store string	knowledge_base_identifier string	creation_timestamp string	question string	answer string	identifier string
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the impact of leaving a vehicle engine running when stationary for reasons other than traffic conditions under the Environmental Protection and Management (Vehicular Emissions) Regulations?	It is an offence, and offenders are liable to a fine of up to $5,000 if convicted in court.	BTT_0
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does a broken white line indicate on a two-way road?	It indicates the centre line of a two-way road.	BTT_1
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the minimum tread depth required for tyres before they need to be replaced as per Singapore's Basic Theory Test?	Tyres should be replaced if their tread depth is less than 1.6mm.	BTT_2
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What driving control can be used to switch on a device to clear the windshield when it is raining?	The Wiper Switch.	BTT_3
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What key road safety measures are implemented in school zones to enhance safety?	Key road safety measures in school zones include prominent school zone signs, traffic calming measures like road humps, pedestrian crossings, parking restriction lines, railings along the road center, and red-textured road surfaces near school gates.	BTT_4
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What precaution should motorcycle owners take to prevent theft even during short durations?	Motorcycle owners should remove ignition keys and handle lock their motorcycles even for short durations.	BTT_5
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What action must a licence holder take to have their demerit points expunged?	Maintain a 12-month period free of scheduled offences.	BTT_6
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the time frame during which free parking is available on Sundays and public holidays in short-term parking lots?	Free parking is available from 7am to 10.30pm.	BTT_7
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the required action if an accident occurs, regardless of its severity or visible damage?	Report the accident to your insurer within 24 hours or by the next working day with your accident vehicle, even if there is no visible damage or you are not claiming from any insurers or third parties.	BTT_8
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What happens to the stopping distance of a vehicle on a wet road compared to a dry road?	The stopping distance of a vehicle increases to about twice that on a dry road due to less friction between tyres and the wet surface.	BTT_9
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What gear practice should be followed while driving a manual vehicle to prevent dragging the engine?	Avoid dragging the engine by using the correct gear.	BTT_10
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does the acronym 'SH' stand for in Singapore's Expressway Monitoring and Advisory Systems (EMAS)?	Shoulder	BTT_11
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What should drivers do if the traffic lights turn red while they are in the yellow box junction?	Drivers should proceed to complete their turn and clear the junction.	BTT_12
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the minimum number of yellow reflective markings required on each side of a long vehicle for visibility enhancement?	Three yellow reflective markings.	BTT_13
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What are the two sections mentioned in the document related to the Parts and Controls of a Car?	Front View and Rear View.	BTT_14
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the maximum width of a vehicle allowed to enter where the corresponding road sign prohibits vehicles with width in excess of 2.3m?	The maximum permissible width is 2.3 meters.	BTT_15
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the penalty for using a mobile communication device while driving in Singapore?	The penalty for using a mobile communication device while driving includes a fine not exceeding $1,000 or imprisonment not exceeding 6 months, or both.	BTT_16
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is crucial before pulling out to pass another vehicle to alert other road users of your intention?	Give a clear signal in good time.	BTT_17
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the purpose of bus-stop separator areas being painted red?	The red paint alerts motorists to the presence of merging vehicles from bus-stops.	BTT_18
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What type of vehicles are permitted to use bus lanes during restricted hours other than omnibuses, bicycles, emergency service, and police vehicles?	Non-scheduled buses, such as school and factory buses, are permitted to use bus lanes during restricted hours.	BTT_19
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	Where must vehicles with speed limits of 60 km/h and below travel on an expressway?	They must travel along the left-hand lane of the expressway.	BTT_20
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is recommended for optimizing fuel efficiency when using air-conditioning in a vehicle?	Avoid setting the air-conditioning temperature too low and increase the fan speed instead.	BTT_21
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What type of background and border colors are used for directional signs that provide information on non-expressway roads?	Green backgrounds with white borders.	BTT_22
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What actions should people take during an emergency in Fort Canning Tunnel and Woodsville Tunnel?	People should head for the tunnel entrance or exit, whichever is safer.	BTT_23
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	Why is it important to keep a safe following distance from the vehicle in front?	To allow enough room to stop safely if the vehicle stops abruptly.	BTT_24
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What specific road conditions can warning signs indicate to drivers?	Warning signs can indicate slippery roads, gated and ungated level crossings, uneven roads, road humps, steep upward and downward slopes, roads leading to quays, river banks, or seas.	BTT_25
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is prohibited for pedal cyclists, including trishaws, tricycles, and bicycles, beyond the point marked by certain signs?	The riding of pedal-cycles, including trishaws, tricycles, and bicycles, is prohibited.	BTT_26
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	Under what circumstances is it permissible to drive, move, or stop on the road shoulder or verge?	It is permissible only in the event of a breakdown, accident, or emergency.	BTT_27
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	Which website should you visit to get information about driving overseas and applying for an International Driving Permit (IDP) in Singapore?	Automobile Association of Singapore (AAS) website.	BTT_28
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does a green-down arrow on lane use signs indicate to motorists in the tunnels?	It indicates that a motorist can drive on ahead.	BTT_29
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the recommended sequence to look at a junction according to the Basic Theory Test?	Look right, then left, then right again.	BTT_30
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What must vehicles approaching a Police Officer from the front and behind do?	They must stop.	BTT_31
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the penalty for exceeding the speed limit of a vehicle by 1 to 20 kilometres per hour?	It is considered an offence.	BTT_32
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does the signal "Means \"GO\" for straight ahead vehicles and \"GO\" for right turn vehicles" indicate?	It indicates that vehicles can proceed straight ahead as well as make a right turn.	BTT_33
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the designated use for parking lots demarcated in red within Singapore's parking guidelines?	Parking lots demarcated in red are reserved for Season Parking Ticket Holders.	BTT_34
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is a topic discussed when learning the basic theory of driving in Singapore?	Basic theory of driving.	BTT_35
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	Which category of traffic signs must be followed without exception?	Mandatory signs are compulsory signs.	BTT_36
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What action should be taken when encountering a situation that requires reduced speed to ensure safety?	Slow down.	BTT_37
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does a yellow color on Travel Time Display signboards indicate?	Yellow color indicates that the travel time displayed is between 50% to 125% more than normal travel time.	BTT_38
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What must drivers do when driving in a tunnel to ensure they can handle ERP payments?	Drivers must insert the cash card in advance for ERP payments when driving in tunnels.	BTT_39
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What information is indicated by the car park signboard located at the entrance of each car park or along the public road?	The car park signboard indicates the different parking schemes, operating hours, and parking rates available.	BTT_40
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the minimum age requirement to qualify for a driving licence in Singapore?	The minimum age requirement to qualify for a driving licence in Singapore is 18 years old.	BTT_41
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the maximum speed limit for vehicles traveling in a silver zone when a 40km/h speed limit sign is attached below?	40 km/h	BTT_42
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	When approaching a side road, what should drivers do regarding vehicles entering from it?	Give way to vehicles from the side road entering the main road.	BTT_43
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does the road sign indicating 'Road narrows on one side' signify?	It warns drivers that the road ahead will narrow on one side, requiring caution and potential adjustments in lane position.	BTT_44
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does the yellow section in a mandatory give-way to buses area indicate?	It indicates a mandatory give-way to buses area.	BTT_45
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	How does driving a vehicle in the right gear impact fuel efficiency and emissions?	Driving the vehicle in the right gear will increase fuel efficiency and reduce emissions.	BTT_46
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is the consequence of failing to comply with prohibitory signs in Singapore's Basic Theory Test regulations?	It constitutes an offence.	BTT_47
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What action should motorists take when they notice buses pulling out of the bus bay?	Motorists should slow down and watch out for buses pulling out of the bus bay.	BTT_48
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What must a driver do before moving off to ensure safety and comply with regulations?	Fasten the seat belt and look in the mirrors.	BTT_49
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	How many steps are involved in the specified process for overtaking another vehicle safely according to Singapore's Basic Theory Test?	12 steps	BTT_50
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	Under what circumstances must a driver refrain from crossing the center line of the road?	A driver must not cross the center line at bends, near the crest of a rise, or anywhere else where they cannot clearly see the road ahead (Fact 3).	BTT_51
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What is indicated by merging arrows drawn on the road in Singapore's Basic Theory Test?	Merging arrows indicate that two traffic lanes are merging into one traffic lane and give motorists advance warning of this situation.	BTT_52
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What safety measures are included under road code conduct to ensure a safe following distance while driving?	The road code conduct includes the two-second rule and stopping distance to ensure safe following distance while driving.	BTT_53
BTT_QA.json	BTT	2025-05-05T18:23:25.623617	What does the 'Two-way traffic ahead' sign instruct drivers to do?	Slow down, keep left, and beware of oncoming traffic.	BTT_54
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How can I change the mode of payment for my Platform Workers CPF Transition Support (PCTS)? / I have already registered for PayNow-NRIC to receive my Government cash benefits. Do I still need to provide my bank account details?	No further action is required from you if you have already registered for PayNow-NRIC with the participating banks. You are encouraged to register for PayNow-NRIC with a PayNow-GIRO-participating local or foreign bank in Singapore to receive your Platform Workers CPF Transition Support (PCTS) payments promptly. Payment will be made by default to your PayNow-NRIC-linked bank account.If you do not have a PayNow-NRIC-linked bank account, you can update your bank account details by logging in to oure-serviceswith your Singpass. Payment instructions received will be used for future government benefits. The Government will validate the bank account details that you have registered.If you have closed your bank account, ceased being a joint account holder, or have provided the wrong bank account details, we will inform you to update your bank account details. You will receive a notification sent to your Singpass app. If you do not have the app, a letter will be sent to your NRIC address. This notification will not be sent via SMS, WhatsApp or any other platforms.If you have not linked your NRIC to PayNow or have not provided a valid bank account to the Government, you will receive future Government cash benefits via GovCash.GovCashis a payment mode where you can withdraw your Government benefits in cash from OCBC ATMs.Citizens who are on GovCash will receive their cash benefits 2-3 weeks later than those who have linked their NRIC to PayNow or have provided a valid bank account.	CPF_0
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Is the 3 years track record for new funds applied at the fund level or based on the experience of Fund Management Companies?	The preference for a 3 year performance track record is generally applied at the fund level. Fund managers should preferably show a minimum track record so that they can be better assessed on their ability whether they are able to give consistently good performance against the benchmark for the specific fund they manage.In the case of indexed funds or Exchange Traded Funds, the 3 year track record is applied differently. The focus will be on the fund management company's technology or systems and processes that they have established to perform the rebalancing functions to track indexes closely1and their ability to consistently maintain a low cost structure for the index funds they have under management.1Low tracking error	CPF_1
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How is the 12-month average gross monthly income (AMI) criterion computed?	The 12-month average gross monthly income is defined as:Sum of income earned in the past 12-month period ÷ Total number of months worked in the past 12-month periodTo qualify for WIS:a) Your 12-month average gross monthly income must not exceed $2,500; andb) Your gross monthly income must not exceed $2,500.	CPF_2
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How much do I need to refund when I sell my property after I made a voluntary housing refund?	On sale of your property, the selling price will be distributed, in the following order:1. Outstanding housing loan2. CPF principal amount withdrawn for the property, and its accrued interest3. Other sale expenses, e.g. legal feesThe amount to refund depends on how much you have voluntarily refunded:Full voluntary housing refund of all your CPF principal withdrawn with accrued interestIf you had made a full voluntary housing refund of all your CPF principal withdrawn with accrued interest and did not use further CPF savings for your loan repayments, you do not need to make any refund to your CPF account on sale of your property.Check yourHome ownership dashboardfor the amount of CPF to be refunded (if any).Partial voluntary housing refund of all your CPF principal withdrawn with accrued interestIf you made a partial voluntary housing refund of your CPF principal withdrawn with accrued interest and/or continued to use further CPF savings for your loan repayments, you need to refund the remaining CPF principal amount withdrawn for your property, including the accrued interest (P+I) onsale of your property.Check yourHome ownership dashboardfor the amount of CPF to be refunded (if any).	CPF_3
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Why is there no tax relief for top-ups made to my children or non-immediate family?	Tax relief is an incentive given to encourage members to build up retirement savings for themselves or their immediate family members, particularly older Singaporeans who may have less retirement savings.Your children have more time to accumulate savings in their working years for their own retirement needs. Hence, there is no tax relief for top-ups made to your children or non-immediate family members.	CPF_4
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How will the Fixed Expense Deduction Amount be applied if I use different modes of transport?	The Fixed Expense Deduction Amount (FEDA) used for calculation of CPF will be based on the mode of transport for the respective job(s) completed.For example:Example 1:Platform worker X uses a bicycle when working for platform operator A, and a car when working for platform operator B.Platform operator A will use the FEDA of 20% to compute the platform worker's net earnings for CPF contributions.Platform operator B will use the FEDA of 60% to compute the platform worker's net earnings for CPF contributions.Example 2:Platform worker Y uses motorcycle from 1 to 15 Jan, and switches to bicycle from 16 to 31 Jan.For jobs completed on 1 to 15 Jan on motorcycle, the platform operator will use the FEDA of 35% to compute the platform worker's net earnings for CPF contributions.For jobs completed on 16 to 31 Jan on bicycle, the platform operator will use the FEDA of 20% to compute the platform worker's net earnings for CPF contributions.	CPF_5
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How long does it take to process applications relating to the Self-Employed Scheme?	The applications relating to the Self-Employed Scheme will generally be processed within the service standards as stated in the table below. We strive to process all submitted applications within the service standard and will let you know if more time is needed.ServiceNormal Processing TimeManage your MediSave payableOnline: 12 working daysManual: 15 working daysRefund of CPF/MediSave contributions by self-employed personOnline: 12 working daysManual: 15 working daysThis includes time needed to liaise with other parties or seek clarification on your refund application.Adjust self-employed contributionsMake full payment for your MediSave payablesa. Payment via PayNow / OCBC Digital: Will generally be processed almost instantlyb. Cash: 10 working daysNote: Please note that cheque payment is no longer accepted for Self-Employed contributions with effect from 1 January 2024.Self-employed person income declaration formOnline: 8 working daysManual: 10 working days	CPF_6
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Why are my discounted Singtel shares not reflected in my Central Depository (CDP) statement?	Your discounted Singtel shares are held by the Board on your behalf. Your discounted Singtel shares would therefore be reflected in your CPF Statement of Account.	CPF_7
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What conditions must I meet in order to receive and retain the matching grant?	To receive and retain the matching grant, you must:be eligible for the Matched Retirement Savings Scheme for the year;have received cash top-ups during the year; andstill be a Singapore Citizen when the matching grant is credited to your Retirement Account (RA) at the beginning of the following year.Do note that cash top-ups are irreversible. Read more about theirreversibilitycondition.In an unlikely event where the cash top-up is reversed and you had already received the matching grant, the grant and any interest earned on it will be recovered from your CPF account.	CPF_8
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Can I take a policy loan on my Academic Staff Provident Fund Approved Investment Scheme (ASPFAIS) Part V insurance policy?	Policy loans are not allowed for Part V insurance policies under the CPF Investment Scheme.	CPF_9
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Does the raising of the Enhanced Retirement Sum (ERS) affect my Basic Retirement Sum (BRS) and Full Retirement Sum (FRS)?	No, this will not affect yourBasic Retirement Sum (BRS) and Full Retirement Sum (FRS), which are determined when you turn age 55 and will remain the same for the rest of your life.If you are aged 55 and above, you can opt to top up more to your Retirement Account (RA), beyond your FRS, to receive higher monthly payouts in retirement. The maximum amount you can top up to your RA is the current year’sEnhanced Retirement Sum (ERS). With the raising of the ERS on 1 January 2025 from three times to 4 times of BRS, you will be able to top up more for even higher payouts.Find out more on how the BRS and FRS are determined.	CPF_10
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What does the CPF Investment Scheme-Ordinary Account (CPFIS-OA) Total Profits/Losses statistic measure?	The CPF Investment Scheme-Ordinary Account (CPFIS-OA) Total Profits/Losses statistic provides a complete representation of the investors total portfolio performance. It takes into account not only the realised profits or losses of investments that were sold, but also the unrealised profits or losses of investments that members held during the reporting period.	CPF_11
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What sources of MediSave contributions are eligible for Drive and Save (DAS) co-contribution?	MediSave contributions1made by the taxi principal hirer to offset MediSave payable will qualify him for Drive and Save (DAS) co-contribution. CPF contributions received as an employee (from both employer and self) for taxi principal hirers who are concurrently employed, as well as government top-ups are excluded.1You may make MediSave contributions as a self-employed person viaManage your MediSave payableorGIRO.	CPF_12
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Will I still be considered opted-in if I stop doing platform work for a period of time or change platform operator after opting-in?	Yes, your opt-in status is permanent after opting in and applies to all platform operators you work with.	CPF_13
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What constitutes a second property for Workfare Income Supplement (WIS) scheme?	All types of properties e.g. Housing & Development Board flat, private property and non-residential property, are taken into account in determining the eligibility for Workfare Income Supplement (WIS) scheme.	CPF_14
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What will CPF Board do with members or third parties who are found to have conducted manipulative transactions?	Under the law, CPF Board is empowered to recover CPF savings that is siphoned or withdrawn prematurely under such circumstances, with interest. The member could also be prohibited from making further withdrawals for a period of one year or more as the Board may determine, from the date of the contravention or from the date of the making of any false representations or furnishing of false information.The Board takes a serious view on any attempts to siphon CPF savings prematurely and will not hesitate to take legal action against CPF members and intermediaries or other parties who collaborate to do this. Third parties will be charged under the Penal Code. The Board may issue a Notice to Attend Court (NTA) to such persons. Please refer to theNTA form(PDF, 0.2MB) for a sample.	CPF_15
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Why is the deduction still happening after I have successfully deleted my recurring cash top-up arrangement?	To ensure that your deduction request takes effect from current month onwards, delete it at least three working days before the current monthdeduction. Else, the deduction will still proceed.	CPF_16
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	I am registered with the Accounting and Corporate Regulatory Authority (ACRA) as a partner for my business. Am I considered a self-employed person or an employee of the partnership?	For more information on Partnerships, please visit theInland Revenue Authority of Singapore (IRAS) website.	CPF_17
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Why are different Contribute As You Earn (CAYE) contribution rates applied to different service fees?	Contribute As You Earn (CAYE) contribution rates may change when you (i) update your CAYE contribution rate or (ii) are no longer required to make CAYE contributions. Generally, the updated CAYE contribution rate will apply to service fees paid from the next day.	CPF_18
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	I am turning 55 later this year. How can I top up if my Retirement Account has not been created yet?	If your Retirement Account has not been created yet, you can top up to your Special Account (SA). Cash top-ups to your SA will be considered for matching grants under the Matched Retirement Savings Scheme.	CPF_19
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	I lost my letter containing the Payment Reference Number (PRN), can someone else take my money?	It is not possible to withdraw the money with just the Payment Reference Number as GovCash uses the Singpass Face Verification technology to authenticate users during the withdrawal of the Government benefits from OCBC ATMs. The Face Verification technology incorporates a liveness-detection capability that blocks the use of photographs, videos or masks during the verification process.This security feature prevents any fraudulent withdrawal of the Government benefits by third party using photographs or videos belonging to the beneficiary and ensuring only the eligible Singaporean can perform the withdrawal of his or her Government benefits.	CPF_20
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Do all CPF Investment Scheme (CPFIS)-included Unit Trusts/ILP sub-funds charge trailer fees?	Trailer fees is subjected to the business agreements between product providers and their distributors (including financial advisors). Some funds may not have trailer fees payable to distributors.	CPF_21
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Can the minimum income criterion be waived for workers who want to work more but are unable to?	The minimum income criterion of $500 per month was introduced from 2023 to encourage workers to work more regularly or take up higher-paying jobs.$500 per month is achievable for most regular workers. At an hourly wage of $10.501, workers who work 3-hr daily shifts for 16 days a month would already earn more than $500 per month.We recognise that some want to work more but are unable to do so due to their personal circumstances or are in greater need of support, such as Persons with Disabilities (PWDs), ComCare Short-to-Medium-Term Assistance recipients and caregivers of care recipients2. Such workers will continue to qualify for concessionary WIS, even if they earn less than $500 per month.1based on Local Qualifying Salary requirement for part-time workers from July 2024 onwards2This will generally includecaregiversresiding with care recipients who are medically certified to have permanent moderate to severe disabilities.	CPF_22
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	If I do not intend to renew my licence, do I need to settle my outstanding MediSave payable?	You’re required to pay your outstanding MediSave payable even if you do not intend to renew your licence.	CPF_23
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What if I had declared my net trade income (NTI) wrongly as a self-employed person or employee income?	If you have wrongly declared your net trade income (NTI) to the Inland Revenue Authority of Singapore (IRAS), please visit the IRAS website atwww.iras.gov.sg, call them at 1800-356 8300, or write to them via myTax Mail onmyTax Portalusing your Singpass. Once IRAS has assessed your income for that year, you will receive a revised Notice of Computation (NOC) informing you of the revised MediSave payable. IRAS will also transmit the assessed NTI records to the CPF Board.If you have wrongly declared your NTI to the Board for Work Year 2022 or earlier, pleasewrite to ususing your Singpass.Once the Board has received your income declaration, you can check your updated NTI records by logging in to the Self-employment dashboard with your Singpass.	CPF_24
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How do I attend (and vote at) a Company's Annual/Extraordinary General Meetings (AGMs/EGMs) as a CPF investor?	CPF investors should refer to the company announcements on SGXNet (or Company website) for instructions on attending AGMs/EGMs.Special Arrangements due to Covid-19 MeasuresCompanies would not be able to proceed with physical general meetings during the Circuit Breaker period due to the Safe Distancing measures in place. Companies that hold AGMs/EGMs during this period may have special arrangements (e.g. "live" webcast). CPF investors who wish to participate in these meetings and/or vote on meeting resolutions should take note of the following:AttendanceCPF investors should refer to the company announcements on SGXNet (or Company website) for instructions on how to attend the virtual meeting. CPF investors should take note of the pre-registration deadlines (including the submission of questions to the Company which will be addressed publicly before or during the virtual meeting).VotingSince CPF investors cannot physically attend general meetings to vote, they can instead vote through their respective CPF Agent Banks. CPF investors must submit their voting instructions to their agent banksat least seven working days before the general meeting. CPF investors should contact their respective Agent Banks (DBS, OCBC, UOB) to find out more about how to submit their voting instruction(s).	CPF_25
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What happens if I scan the generated PayNow QR code multiple times?	To ensure that your cash top-up is processed smoothly, please only scan the PayNow QR code and make payment once as the code is only valid for a single payment. For subsequent or duplicate payments made using the same QR code, the payment will be refunded.If you need to make another top-up, you will need to submit a new application and obtain a new PayNow QR code.	CPF_26
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What happens to my unused CPF transfers and cash top-ups to my recipient upon his demise or if he closes his CPF account upon leaving Singapore?	Cash top-ups and CPF transfers will generally be treated as gifts to the recipient. Any unused cash top-ups or CPF transfers will be paid to the recipient's beneficiaries upon his demise, or to the recipient himself if he closes his CPF account and withdraws his CPF savings upon leaving Singapore. This is subject tosafeguards to prevent premature withdrawals.	CPF_27
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Can I apply for refund on CPF contributions paid above the CPF annual ceiling of $102,000?	If your total net earnings under a single platform operator exceed $102,000, your platform operator will apply for a refund on the excess CPF contributions from CPF Board. After receiving the refund, your platform operator will refund your share of excess CPF contributions to you.If your total earnings acrossmultipleplatform operators exceed $102,000, you can apply for a refund on your share of the contributions.	CPF_28
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	I received an email notification on topping up my and/or my loved ones’ retirement savings. How do I know if the notification is indeed sent by CPF Board?	Members will receive email notifications at the email address registered with the Board. You maycheck or update your email addresswhich you have earlier registered with us using your Singpass.To verify if the email you received is legitimate andavoid falling prey to phishing scams,Ensure that the sender's email address is correctly spelt and ends with "@e.cpf.gov.sg".Ensure that the hyperlinks or links you click on has a domain ending with “.gov.sg”.	CPF_29
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What can members do if the funds in which they have already invested do not meet the new standards set by the Board following re-evaluation?	Members who have already invested in such funds can continue to remain invested in the funds, or consider switching to other funds or selling out of the funds if the funds no longer meet their investment objective.	CPF_30
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What additional resources are available to help me better understand the Matched Retirement Savings Scheme (MRSS)?	You may refer to the table below for an infographic (available in English, Chinese, Malay and Tamil) and a video (with audio) which elaborate on the benefits of MRSS.To access these resources, you can click on the links below:InfographicVideoEnglishEnglishChinese (华文)Chinese (华文)Malay (Bahasa Melayu)Malay (Bahasa Melayu)Tamil (தமிழ்)Tamil (தமிழ்)	CPF_31
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Why is the Workfare Income Supplement (WIS) for platform workers aligned to that of employees only in 2029 when the increased CPF contributions for platform workers is implemented in 2025?	CPF contributions rates will gradually increase for platform workers from 2025 to 2028. To support lower-income platform workers during this period, we will provide the Platform Workers CPF Transition Support (PCTS) to help mitigate the drop in take-home earnings. PCTS will fully offset the increase in platform workers’ CPF contributions in 2025 and gradually taper down before ceasing in 2029.When the platform workers’ CPF contribution rates are fully aligned with employees in 2029, Workfare Income Supplement will be aligned with that of employees for platform workers who are mandated or opt in to the increased CPF contributions.	CPF_32
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Is there a minimum interest rate for CPF Investment Scheme Fixed Deposit (FD) that FD Banks must offer?	With effect from 1 May 2007, Fixed Deposit (FD) Banks must offer a minimum effective interest rate that is at least the prevailing CPF interest rate for new placements or roll over of any CPF Investment Scheme FDs. In this way, members will not be worse off than leaving their monies in the CPF Accounts.	CPF_33
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How can I make recurring monthly or yearly top-ups conveniently via GIRO?	You can make small and recurring cash top-ups via GIRO by following the steps below:Step 1:Set up a GIRO arrangementStep 2: Please allow one day for your GIRO bank account to be updated in the Board's record. Thereafter, please submit a request to makerecurring cash top-ups for retirement.Please note that you must completebothsteps for recurring cash top-ups via GIRO to be successful.Currently, the online application to set up a GIRO arrangement is only available for theseparticipating banks.If you encounter any difficulties in setting up GIRO, you maywrite to usfor assistance.	CPF_34
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How can I help a beneficiary with medical condition (e.g. physically immobile or mentally incapacitated) to withdraw their GovCash monies?	You can help a beneficiary with medical condition (e.g. who is physically immobile or mentally incapacitated) to withdraw their GovCash monies if you are:Aged 21 years and above; andA next-of-kin, or caregiver, or appointed donee under the Lasting Power of Attorney (LPA), or court-appointed Deputy of the beneficiaryTo help with the withdrawal of the GovCash monies, please bring the following documents and visit anyOCBC-New ATMduring branch operating hours, where OCBC Digital Ambassadors will be available to render assistance:a) Original documentary evidence stating the beneficiary's medical condition (e.g. doctor's memorandum, medical report or court order). The date of the document(s) should not be more than 1 year from the withdrawal date, unless it specifically states that the patient's condition is permanent or the condition is known to be permanent (e.g. bedridden, immobile, physically incapacitated, disabled, intellectually disabled, autism, down syndrome, cerebral palsy, etc);b) A photocopy of the beneficiary’s NRIC;c) Your original NRIC; andd) Beneficiary’s GovCash Payment Reference Number (PRN)You may be required to sign a Letter of Indemnity at the bank, witnessed by the bank officer.	CPF_35
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	My child is below 16 years old. How do I transfer his Ordinary Account savings to his Special Account on his behalf?	If your child is below 16 years old and wishes to transfer his Ordinary Account savings to his Special Account, you can complete thisapplicationon his behalf.	CPF_36
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How does the Board treat the maturity proceeds by the insurer after I reached 55 years old?	The maturity proceeds from your insurance policies under the CPF Investment Scheme-Ordinary Account (CPFIS-OA) and the CPF Investment Scheme-Special Account (CPFIS-SA) are handled differently.For insurance policies under:CPFIS-OAFor CPFIS-OA policies, the proceeds would be refunded to your CPF Investment Account with your agent bank. You can instruct your bank to transfer the monies back to your CPF Ordinary Account. You can apply for withdrawal of the monies (once the proceeds are credited) subject to the prevailing CPF withdrawal rules. Find out more onwithdrawal of CPF savings.For policies that have already been transferred to your name earlier when you applied for withdrawal of your CPFIS investments, it would be considered as cash policies and the insurance companies would pay the proceeds directly to you.If you need to withdraw more than the default online Daily Withdrawal Limit of $2,000, find outmore.If you need to withdraw more than the maximum online Daily Withdrawal Limit, find outmore.CPFIS-SAFor CPFIS-SA policies, the proceeds would be refunded to your CPF Special Account. You can apply for withdrawal of the monies (once the proceeds are credited) subject to the prevailing CPF withdrawal rules. Find out more onwithdrawal of CPF savings.If you need to withdraw more than the default online Daily Withdrawal Limit of $2,000, find outmore.If you need to withdraw more than the maximum online Daily Withdrawal Limit, find outmore.For policies that have already been transferred to your name when you applied for withdrawal of your CPFIS investments, it would be considered as cash policies and the insurance companies would pay the proceeds directly to you.	CPF_37
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	I have transferred money from Investment Account back into my CPF Ordinary Account. When does the CPF interest computation start?	When you transfer money from your Investment Account to your Ordinary Account, you will start to earn CPF interest on the transferred amount from the following month onwards.	CPF_38
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How will CPF investors benefit from the reduced Total Expense Ratio (TER) caps?	Expenses on investment have a significant impact on returns. Hence, reducing Total Expense Ratio caps will lower the expenses that CPF investors have to bear and increase a fund's per-unit net asset value. This will enable CPF members who have invested in the fund to accumulate their retirement savings faster.The following example illustrates the impact of expense ratio:Amount invested: $10,000 over 30 years, with annual return of 5%1Total expense ratio of the Fund decreases from 1.95% to 1.75%Savings =$1,475(or 6% more in his retirement savings)Expense Ratio of 1.95%Expense Ratio of 1.75%Net investment value after 30 years$24,629$26,104Savings$1,4751Assumes no front end load	CPF_39
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What documents must I provide when I lodge a report regarding CPF non/under-payment?	You should provide documents such as your monthly pay slips or employment contract for CPF Board to determine the CPF contributions due to you.To minimise potential disputes between you and your employer, the contract must include key employment terms (KETs) and essential clauses, such as hours of work and job scope. For further information on employment contract and KETs, please refer to theMinistry of Manpower website.	CPF_40
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	What are the different evaluation factors for admission into CPF Investment Scheme (CPFIS) under the old and new entry criteria?	New funds will continue to be evaluated according to existing evaluation factors. However, new funds will have to meet a higher benchmark, and henceforth funds admitted to CPF Investment Scheme will be among the top 25 percentile of funds. In addition, new funds will have to meet an expense ratio criterion pegged at the median of all funds in the same risk class. New funds should preferably also have a track record of at least 3-years.Supplementary InformationThe specific aspects of the investment process that are looked at during the evaluation process for Unit Trusts and Investment-Linked Insurance Policies include the following:Investment Philosophy;Key Decision Makers;Research and Analysis;Portfolio Construction;Implementation/Trading; andPast Performance.	CPF_41
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	I am on no-pay/study/medical/maternity leave. Will I be considered as employed to qualify for Workfare Income Supplement?	For the purpose of Workfare Income Supplement (WIS), staff on study/medical/maternity leave will be considered as employees if you are still receiving a salary and CPF contributions from your employers.	CPF_42
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	Are CPF contributions payable by the holding company or the subsidiary company if I am seconded from the former to latter?	The employer who had entered into an employment contract with you is required to pay the CPF contributions.	CPF_43
data/CPF_filtered_qa.json	CPF_111	2025-05-06T13:46:31.974038	How long does it take to process voluntary top-ups application to my MediSave Account?	The application relating to voluntary top-ups to MediSave Account will be processed as stated in the table below.ServiceProcessing TimeTop up MediSave AccountAlmost immediatelyIf the top-up amount is not reflected in your CPF accounts, please check your CPF account balance after five working days as more time may be needed to process the transaction. Such cases may arise due to intermittent network connectivity issues beyond CPF Board's control.Please alert us immediately if your payment is still not updated in your CPF account balance after five working days.	CPF_44

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the impact of leaving a vehicle engine running when stationary for reasons other than traffic conditions under the Environmental Protection and Management (Vehicular Emissions) Regulations?

It is an offence, and offenders are liable to a fine of up to $5,000 if convicted in court.

BTT_0

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does a broken white line indicate on a two-way road?

It indicates the centre line of a two-way road.

BTT_1

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the minimum tread depth required for tyres before they need to be replaced as per Singapore's Basic Theory Test?

Tyres should be replaced if their tread depth is less than 1.6mm.

BTT_2

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What driving control can be used to switch on a device to clear the windshield when it is raining?

The Wiper Switch.

BTT_3

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What key road safety measures are implemented in school zones to enhance safety?

Key road safety measures in school zones include prominent school zone signs, traffic calming measures like road humps, pedestrian crossings, parking restriction lines, railings along the road center, and red-textured road surfaces near school gates.

BTT_4

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What precaution should motorcycle owners take to prevent theft even during short durations?

Motorcycle owners should remove ignition keys and handle lock their motorcycles even for short durations.

BTT_5

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What action must a licence holder take to have their demerit points expunged?

Maintain a 12-month period free of scheduled offences.

BTT_6

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the time frame during which free parking is available on Sundays and public holidays in short-term parking lots?

Free parking is available from 7am to 10.30pm.

BTT_7

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the required action if an accident occurs, regardless of its severity or visible damage?

Report the accident to your insurer within 24 hours or by the next working day with your accident vehicle, even if there is no visible damage or you are not claiming from any insurers or third parties.

BTT_8

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What happens to the stopping distance of a vehicle on a wet road compared to a dry road?

The stopping distance of a vehicle increases to about twice that on a dry road due to less friction between tyres and the wet surface.

BTT_9

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What gear practice should be followed while driving a manual vehicle to prevent dragging the engine?

Avoid dragging the engine by using the correct gear.

BTT_10

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does the acronym 'SH' stand for in Singapore's Expressway Monitoring and Advisory Systems (EMAS)?

Shoulder

BTT_11

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What should drivers do if the traffic lights turn red while they are in the yellow box junction?

Drivers should proceed to complete their turn and clear the junction.

BTT_12

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the minimum number of yellow reflective markings required on each side of a long vehicle for visibility enhancement?

Three yellow reflective markings.

BTT_13

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What are the two sections mentioned in the document related to the Parts and Controls of a Car?

Front View and Rear View.

BTT_14

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the maximum width of a vehicle allowed to enter where the corresponding road sign prohibits vehicles with width in excess of 2.3m?

The maximum permissible width is 2.3 meters.

BTT_15

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the penalty for using a mobile communication device while driving in Singapore?

The penalty for using a mobile communication device while driving includes a fine not exceeding $1,000 or imprisonment not exceeding 6 months, or both.

BTT_16

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is crucial before pulling out to pass another vehicle to alert other road users of your intention?

Give a clear signal in good time.

BTT_17

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the purpose of bus-stop separator areas being painted red?

The red paint alerts motorists to the presence of merging vehicles from bus-stops.

BTT_18

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What type of vehicles are permitted to use bus lanes during restricted hours other than omnibuses, bicycles, emergency service, and police vehicles?

Non-scheduled buses, such as school and factory buses, are permitted to use bus lanes during restricted hours.

BTT_19

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

Where must vehicles with speed limits of 60 km/h and below travel on an expressway?

They must travel along the left-hand lane of the expressway.

BTT_20

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is recommended for optimizing fuel efficiency when using air-conditioning in a vehicle?

Avoid setting the air-conditioning temperature too low and increase the fan speed instead.

BTT_21

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What type of background and border colors are used for directional signs that provide information on non-expressway roads?

Green backgrounds with white borders.

BTT_22

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What actions should people take during an emergency in Fort Canning Tunnel and Woodsville Tunnel?

People should head for the tunnel entrance or exit, whichever is safer.

BTT_23

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

Why is it important to keep a safe following distance from the vehicle in front?

To allow enough room to stop safely if the vehicle stops abruptly.

BTT_24

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What specific road conditions can warning signs indicate to drivers?

Warning signs can indicate slippery roads, gated and ungated level crossings, uneven roads, road humps, steep upward and downward slopes, roads leading to quays, river banks, or seas.

BTT_25

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is prohibited for pedal cyclists, including trishaws, tricycles, and bicycles, beyond the point marked by certain signs?

The riding of pedal-cycles, including trishaws, tricycles, and bicycles, is prohibited.

BTT_26

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

Under what circumstances is it permissible to drive, move, or stop on the road shoulder or verge?

It is permissible only in the event of a breakdown, accident, or emergency.

BTT_27

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

Which website should you visit to get information about driving overseas and applying for an International Driving Permit (IDP) in Singapore?

Automobile Association of Singapore (AAS) website.

BTT_28

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does a green-down arrow on lane use signs indicate to motorists in the tunnels?

It indicates that a motorist can drive on ahead.

BTT_29

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the recommended sequence to look at a junction according to the Basic Theory Test?

Look right, then left, then right again.

BTT_30

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What must vehicles approaching a Police Officer from the front and behind do?

They must stop.

BTT_31

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the penalty for exceeding the speed limit of a vehicle by 1 to 20 kilometres per hour?

It is considered an offence.

BTT_32

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does the signal "Means \"GO\" for straight ahead vehicles and \"GO\" for right turn vehicles" indicate?

It indicates that vehicles can proceed straight ahead as well as make a right turn.

BTT_33

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the designated use for parking lots demarcated in red within Singapore's parking guidelines?

Parking lots demarcated in red are reserved for Season Parking Ticket Holders.

BTT_34

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is a topic discussed when learning the basic theory of driving in Singapore?

Basic theory of driving.

BTT_35

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

Which category of traffic signs must be followed without exception?

Mandatory signs are compulsory signs.

BTT_36

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What action should be taken when encountering a situation that requires reduced speed to ensure safety?

Slow down.

BTT_37

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does a yellow color on Travel Time Display signboards indicate?

Yellow color indicates that the travel time displayed is between 50% to 125% more than normal travel time.

BTT_38

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What must drivers do when driving in a tunnel to ensure they can handle ERP payments?

Drivers must insert the cash card in advance for ERP payments when driving in tunnels.

BTT_39

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What information is indicated by the car park signboard located at the entrance of each car park or along the public road?

The car park signboard indicates the different parking schemes, operating hours, and parking rates available.

BTT_40

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the minimum age requirement to qualify for a driving licence in Singapore?

The minimum age requirement to qualify for a driving licence in Singapore is 18 years old.

BTT_41

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the maximum speed limit for vehicles traveling in a silver zone when a 40km/h speed limit sign is attached below?

40 km/h

BTT_42

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

When approaching a side road, what should drivers do regarding vehicles entering from it?

Give way to vehicles from the side road entering the main road.

BTT_43

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does the road sign indicating 'Road narrows on one side' signify?

It warns drivers that the road ahead will narrow on one side, requiring caution and potential adjustments in lane position.

BTT_44

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does the yellow section in a mandatory give-way to buses area indicate?

It indicates a mandatory give-way to buses area.

BTT_45

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

How does driving a vehicle in the right gear impact fuel efficiency and emissions?

Driving the vehicle in the right gear will increase fuel efficiency and reduce emissions.

BTT_46

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is the consequence of failing to comply with prohibitory signs in Singapore's Basic Theory Test regulations?

It constitutes an offence.

BTT_47

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What action should motorists take when they notice buses pulling out of the bus bay?

Motorists should slow down and watch out for buses pulling out of the bus bay.

BTT_48

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What must a driver do before moving off to ensure safety and comply with regulations?

Fasten the seat belt and look in the mirrors.

BTT_49

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

How many steps are involved in the specified process for overtaking another vehicle safely according to Singapore's Basic Theory Test?

12 steps

BTT_50

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

Under what circumstances must a driver refrain from crossing the center line of the road?

A driver must not cross the center line at bends, near the crest of a rise, or anywhere else where they cannot clearly see the road ahead (Fact 3).

BTT_51

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What is indicated by merging arrows drawn on the road in Singapore's Basic Theory Test?

Merging arrows indicate that two traffic lanes are merging into one traffic lane and give motorists advance warning of this situation.

BTT_52

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What safety measures are included under road code conduct to ensure a safe following distance while driving?

The road code conduct includes the two-second rule and stopping distance to ensure safe following distance while driving.

BTT_53

BTT_QA.json

BTT

2025-05-05T18:23:25.623617

What does the 'Two-way traffic ahead' sign instruct drivers to do?

Slow down, keep left, and beware of oncoming traffic.

BTT_54

data/CPF_filtered_qa.json

CPF_111

2025-05-06T13:46:31.974038

How can I change the mode of payment for my Platform Workers CPF Transition Support (PCTS)? / I have already registered for PayNow-NRIC to receive my Government cash benefits. Do I still need to provide my bank account details?

No further action is required from you if you have already registered for PayNow-NRIC with the participating banks. You are encouraged to register for PayNow-NRIC with a PayNow-GIRO-participating local or foreign bank in Singapore to receive your Platform Workers CPF Transition Support (PCTS) payments promptly. Payment will be made by default to your PayNow-NRIC-linked bank account.If you do not have a PayNow-NRIC-linked bank account, you can update your bank account details by logging in to oure-serviceswith your Singpass. Payment instructions received will be used for future government benefits. The Government will validate the bank account details that you have registered.If you have closed your bank account, ceased being a joint account holder, or have provided the wrong bank account details, we will inform you to update your bank account details. You will receive a notification sent to your Singpass app. If you do not have the app, a letter will be sent to your NRIC address. This notification will not be sent via SMS, WhatsApp or any other platforms.If you have not linked your NRIC to PayNow or have not provided a valid bank account to the Government, you will receive future Government cash benefits via GovCash.GovCashis a payment mode where you can withdraw your Government benefits in cash from OCBC ATMs.Citizens who are on GovCash will receive their cash benefits 2-3 weeks later than those who have linked their NRIC to PayNow or have provided a valid bank account.

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CPF_111

2025-05-06T13:46:31.974038

Is the 3 years track record for new funds applied at the fund level or based on the experience of Fund Management Companies?

The preference for a 3 year performance track record is generally applied at the fund level. Fund managers should preferably show a minimum track record so that they can be better assessed on their ability whether they are able to give consistently good performance against the benchmark for the specific fund they manage.In the case of indexed funds or Exchange Traded Funds, the 3 year track record is applied differently. The focus will be on the fund management company's technology or systems and processes that they have established to perform the rebalancing functions to track indexes closely1and their ability to consistently maintain a low cost structure for the index funds they have under management.1Low tracking error

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CPF_111

2025-05-06T13:46:31.974038

How is the 12-month average gross monthly income (AMI) criterion computed?

The 12-month average gross monthly income is defined as:Sum of income earned in the past 12-month period ÷ Total number of months worked in the past 12-month periodTo qualify for WIS:a) Your 12-month average gross monthly income must not exceed $2,500; andb) Your gross monthly income must not exceed $2,500.

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CPF_111

2025-05-06T13:46:31.974038

How much do I need to refund when I sell my property after I made a voluntary housing refund?

On sale of your property, the selling price will be distributed, in the following order:1. Outstanding housing loan2. CPF principal amount withdrawn for the property, and its accrued interest3. Other sale expenses, e.g. legal feesThe amount to refund depends on how much you have voluntarily refunded:Full voluntary housing refund of all your CPF principal withdrawn with accrued interestIf you had made a full voluntary housing refund of all your CPF principal withdrawn with accrued interest and did not use further CPF savings for your loan repayments, you do not need to make any refund to your CPF account on sale of your property.Check yourHome ownership dashboardfor the amount of CPF to be refunded (if any).Partial voluntary housing refund of all your CPF principal withdrawn with accrued interestIf you made a partial voluntary housing refund of your CPF principal withdrawn with accrued interest and/or continued to use further CPF savings for your loan repayments, you need to refund the remaining CPF principal amount withdrawn for your property, including the accrued interest (P+I) onsale of your property.Check yourHome ownership dashboardfor the amount of CPF to be refunded (if any).

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CPF_111

2025-05-06T13:46:31.974038

Why is there no tax relief for top-ups made to my children or non-immediate family?

Tax relief is an incentive given to encourage members to build up retirement savings for themselves or their immediate family members, particularly older Singaporeans who may have less retirement savings.Your children have more time to accumulate savings in their working years for their own retirement needs. Hence, there is no tax relief for top-ups made to your children or non-immediate family members.

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CPF_111

2025-05-06T13:46:31.974038

How will the Fixed Expense Deduction Amount be applied if I use different modes of transport?

The Fixed Expense Deduction Amount (FEDA) used for calculation of CPF will be based on the mode of transport for the respective job(s) completed.For example:Example 1:Platform worker X uses a bicycle when working for platform operator A, and a car when working for platform operator B.Platform operator A will use the FEDA of 20% to compute the platform worker's net earnings for CPF contributions.Platform operator B will use the FEDA of 60% to compute the platform worker's net earnings for CPF contributions.Example 2:Platform worker Y uses motorcycle from 1 to 15 Jan, and switches to bicycle from 16 to 31 Jan.For jobs completed on 1 to 15 Jan on motorcycle, the platform operator will use the FEDA of 35% to compute the platform worker's net earnings for CPF contributions.For jobs completed on 16 to 31 Jan on bicycle, the platform operator will use the FEDA of 20% to compute the platform worker's net earnings for CPF contributions.

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CPF_111

2025-05-06T13:46:31.974038

How long does it take to process applications relating to the Self-Employed Scheme?

The applications relating to the Self-Employed Scheme will generally be processed within the service standards as stated in the table below. We strive to process all submitted applications within the service standard and will let you know if more time is needed.ServiceNormal Processing TimeManage your MediSave payableOnline: 12 working daysManual: 15 working daysRefund of CPF/MediSave contributions by self-employed personOnline: 12 working daysManual: 15 working daysThis includes time needed to liaise with other parties or seek clarification on your refund application.Adjust self-employed contributionsMake full payment for your MediSave payablesa. Payment via PayNow / OCBC Digital: Will generally be processed almost instantlyb. Cash: 10 working daysNote: Please note that cheque payment is no longer accepted for Self-Employed contributions with effect from 1 January 2024.Self-employed person income declaration formOnline: 8 working daysManual: 10 working days

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CPF_111

2025-05-06T13:46:31.974038

Why are my discounted Singtel shares not reflected in my Central Depository (CDP) statement?

Your discounted Singtel shares are held by the Board on your behalf. Your discounted Singtel shares would therefore be reflected in your CPF Statement of Account.

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CPF_111

2025-05-06T13:46:31.974038

What conditions must I meet in order to receive and retain the matching grant?

To receive and retain the matching grant, you must:be eligible for the Matched Retirement Savings Scheme for the year;have received cash top-ups during the year; andstill be a Singapore Citizen when the matching grant is credited to your Retirement Account (RA) at the beginning of the following year.Do note that cash top-ups are irreversible. Read more about theirreversibilitycondition.In an unlikely event where the cash top-up is reversed and you had already received the matching grant, the grant and any interest earned on it will be recovered from your CPF account.

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CPF_111

2025-05-06T13:46:31.974038

Can I take a policy loan on my Academic Staff Provident Fund Approved Investment Scheme (ASPFAIS) Part V insurance policy?

Policy loans are not allowed for Part V insurance policies under the CPF Investment Scheme.

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CPF_111

2025-05-06T13:46:31.974038

Does the raising of the Enhanced Retirement Sum (ERS) affect my Basic Retirement Sum (BRS) and Full Retirement Sum (FRS)?

No, this will not affect yourBasic Retirement Sum (BRS) and Full Retirement Sum (FRS), which are determined when you turn age 55 and will remain the same for the rest of your life.If you are aged 55 and above, you can opt to top up more to your Retirement Account (RA), beyond your FRS, to receive higher monthly payouts in retirement. The maximum amount you can top up to your RA is the current year’sEnhanced Retirement Sum (ERS). With the raising of the ERS on 1 January 2025 from three times to 4 times of BRS, you will be able to top up more for even higher payouts.Find out more on how the BRS and FRS are determined.

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CPF_111

2025-05-06T13:46:31.974038

What does the CPF Investment Scheme-Ordinary Account (CPFIS-OA) Total Profits/Losses statistic measure?

The CPF Investment Scheme-Ordinary Account (CPFIS-OA) Total Profits/Losses statistic provides a complete representation of the investors total portfolio performance. It takes into account not only the realised profits or losses of investments that were sold, but also the unrealised profits or losses of investments that members held during the reporting period.

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CPF_111

2025-05-06T13:46:31.974038

What sources of MediSave contributions are eligible for Drive and Save (DAS) co-contribution?

MediSave contributions1made by the taxi principal hirer to offset MediSave payable will qualify him for Drive and Save (DAS) co-contribution. CPF contributions received as an employee (from both employer and self) for taxi principal hirers who are concurrently employed, as well as government top-ups are excluded.1You may make MediSave contributions as a self-employed person viaManage your MediSave payableorGIRO.

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CPF_111

2025-05-06T13:46:31.974038

Will I still be considered opted-in if I stop doing platform work for a period of time or change platform operator after opting-in?

Yes, your opt-in status is permanent after opting in and applies to all platform operators you work with.

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CPF_111

2025-05-06T13:46:31.974038

What constitutes a second property for Workfare Income Supplement (WIS) scheme?

All types of properties e.g. Housing & Development Board flat, private property and non-residential property, are taken into account in determining the eligibility for Workfare Income Supplement (WIS) scheme.

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CPF_111

2025-05-06T13:46:31.974038

What will CPF Board do with members or third parties who are found to have conducted manipulative transactions?

Under the law, CPF Board is empowered to recover CPF savings that is siphoned or withdrawn prematurely under such circumstances, with interest. The member could also be prohibited from making further withdrawals for a period of one year or more as the Board may determine, from the date of the contravention or from the date of the making of any false representations or furnishing of false information.The Board takes a serious view on any attempts to siphon CPF savings prematurely and will not hesitate to take legal action against CPF members and intermediaries or other parties who collaborate to do this. Third parties will be charged under the Penal Code. The Board may issue a Notice to Attend Court (NTA) to such persons. Please refer to theNTA form(PDF, 0.2MB) for a sample.

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CPF_111

2025-05-06T13:46:31.974038

Why is the deduction still happening after I have successfully deleted my recurring cash top-up arrangement?

To ensure that your deduction request takes effect from current month onwards, delete it at least three working days before the current monthdeduction. Else, the deduction will still proceed.

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CPF_111

2025-05-06T13:46:31.974038

I am registered with the Accounting and Corporate Regulatory Authority (ACRA) as a partner for my business. Am I considered a self-employed person or an employee of the partnership?

For more information on Partnerships, please visit theInland Revenue Authority of Singapore (IRAS) website.

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CPF_111

2025-05-06T13:46:31.974038

Why are different Contribute As You Earn (CAYE) contribution rates applied to different service fees?

Contribute As You Earn (CAYE) contribution rates may change when you (i) update your CAYE contribution rate or (ii) are no longer required to make CAYE contributions. Generally, the updated CAYE contribution rate will apply to service fees paid from the next day.

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CPF_111

2025-05-06T13:46:31.974038

I am turning 55 later this year. How can I top up if my Retirement Account has not been created yet?

If your Retirement Account has not been created yet, you can top up to your Special Account (SA). Cash top-ups to your SA will be considered for matching grants under the Matched Retirement Savings Scheme.

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CPF_111

2025-05-06T13:46:31.974038

I lost my letter containing the Payment Reference Number (PRN), can someone else take my money?

It is not possible to withdraw the money with just the Payment Reference Number as GovCash uses the Singpass Face Verification technology to authenticate users during the withdrawal of the Government benefits from OCBC ATMs. The Face Verification technology incorporates a liveness-detection capability that blocks the use of photographs, videos or masks during the verification process.This security feature prevents any fraudulent withdrawal of the Government benefits by third party using photographs or videos belonging to the beneficiary and ensuring only the eligible Singaporean can perform the withdrawal of his or her Government benefits.

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CPF_111

2025-05-06T13:46:31.974038

Do all CPF Investment Scheme (CPFIS)-included Unit Trusts/ILP sub-funds charge trailer fees?

Trailer fees is subjected to the business agreements between product providers and their distributors (including financial advisors). Some funds may not have trailer fees payable to distributors.

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CPF_111

2025-05-06T13:46:31.974038

Can the minimum income criterion be waived for workers who want to work more but are unable to?

The minimum income criterion of $500 per month was introduced from 2023 to encourage workers to work more regularly or take up higher-paying jobs.$500 per month is achievable for most regular workers. At an hourly wage of $10.501, workers who work 3-hr daily shifts for 16 days a month would already earn more than $500 per month.We recognise that some want to work more but are unable to do so due to their personal circumstances or are in greater need of support, such as Persons with Disabilities (PWDs), ComCare Short-to-Medium-Term Assistance recipients and caregivers of care recipients2. Such workers will continue to qualify for concessionary WIS, even if they earn less than $500 per month.1based on Local Qualifying Salary requirement for part-time workers from July 2024 onwards2This will generally includecaregiversresiding with care recipients who are medically certified to have permanent moderate to severe disabilities.

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CPF_111

2025-05-06T13:46:31.974038

If I do not intend to renew my licence, do I need to settle my outstanding MediSave payable?

You’re required to pay your outstanding MediSave payable even if you do not intend to renew your licence.

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CPF_111

2025-05-06T13:46:31.974038

What if I had declared my net trade income (NTI) wrongly as a self-employed person or employee income?

If you have wrongly declared your net trade income (NTI) to the Inland Revenue Authority of Singapore (IRAS), please visit the IRAS website atwww.iras.gov.sg, call them at 1800-356 8300, or write to them via myTax Mail onmyTax Portalusing your Singpass. Once IRAS has assessed your income for that year, you will receive a revised Notice of Computation (NOC) informing you of the revised MediSave payable. IRAS will also transmit the assessed NTI records to the CPF Board.If you have wrongly declared your NTI to the Board for Work Year 2022 or earlier, pleasewrite to ususing your Singpass.Once the Board has received your income declaration, you can check your updated NTI records by logging in to the Self-employment dashboard with your Singpass.

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CPF_111

2025-05-06T13:46:31.974038

How do I attend (and vote at) a Company's Annual/Extraordinary General Meetings (AGMs/EGMs) as a CPF investor?

CPF investors should refer to the company announcements on SGXNet (or Company website) for instructions on attending AGMs/EGMs.Special Arrangements due to Covid-19 MeasuresCompanies would not be able to proceed with physical general meetings during the Circuit Breaker period due to the Safe Distancing measures in place. Companies that hold AGMs/EGMs during this period may have special arrangements (e.g. "live" webcast). CPF investors who wish to participate in these meetings and/or vote on meeting resolutions should take note of the following:AttendanceCPF investors should refer to the company announcements on SGXNet (or Company website) for instructions on how to attend the virtual meeting. CPF investors should take note of the pre-registration deadlines (including the submission of questions to the Company which will be addressed publicly before or during the virtual meeting).VotingSince CPF investors cannot physically attend general meetings to vote, they can instead vote through their respective CPF Agent Banks. CPF investors must submit their voting instructions to their agent banksat least seven working days before the general meeting. CPF investors should contact their respective Agent Banks (DBS, OCBC, UOB) to find out more about how to submit their voting instruction(s).

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CPF_111

2025-05-06T13:46:31.974038

What happens if I scan the generated PayNow QR code multiple times?

To ensure that your cash top-up is processed smoothly, please only scan the PayNow QR code and make payment once as the code is only valid for a single payment. For subsequent or duplicate payments made using the same QR code, the payment will be refunded.If you need to make another top-up, you will need to submit a new application and obtain a new PayNow QR code.

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CPF_111

2025-05-06T13:46:31.974038

What happens to my unused CPF transfers and cash top-ups to my recipient upon his demise or if he closes his CPF account upon leaving Singapore?

Cash top-ups and CPF transfers will generally be treated as gifts to the recipient. Any unused cash top-ups or CPF transfers will be paid to the recipient's beneficiaries upon his demise, or to the recipient himself if he closes his CPF account and withdraws his CPF savings upon leaving Singapore. This is subject tosafeguards to prevent premature withdrawals.

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CPF_111

2025-05-06T13:46:31.974038

Can I apply for refund on CPF contributions paid above the CPF annual ceiling of $102,000?

If your total net earnings under a single platform operator exceed $102,000, your platform operator will apply for a refund on the excess CPF contributions from CPF Board. After receiving the refund, your platform operator will refund your share of excess CPF contributions to you.If your total earnings acrossmultipleplatform operators exceed $102,000, you can apply for a refund on your share of the contributions.

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CPF_111

2025-05-06T13:46:31.974038

I received an email notification on topping up my and/or my loved ones’ retirement savings. How do I know if the notification is indeed sent by CPF Board?

Members will receive email notifications at the email address registered with the Board. You maycheck or update your email addresswhich you have earlier registered with us using your Singpass.To verify if the email you received is legitimate andavoid falling prey to phishing scams,Ensure that the sender's email address is correctly spelt and ends with "@e.cpf.gov.sg".Ensure that the hyperlinks or links you click on has a domain ending with “.gov.sg”.

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CPF_111

2025-05-06T13:46:31.974038

What can members do if the funds in which they have already invested do not meet the new standards set by the Board following re-evaluation?

Members who have already invested in such funds can continue to remain invested in the funds, or consider switching to other funds or selling out of the funds if the funds no longer meet their investment objective.

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CPF_111

2025-05-06T13:46:31.974038

What additional resources are available to help me better understand the Matched Retirement Savings Scheme (MRSS)?

You may refer to the table below for an infographic (available in English, Chinese, Malay and Tamil) and a video (with audio) which elaborate on the benefits of MRSS.To access these resources, you can click on the links below:InfographicVideoEnglishEnglishChinese (华文)Chinese (华文)Malay (Bahasa Melayu)Malay (Bahasa Melayu)Tamil (தமிழ்)Tamil (தமிழ்)

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CPF_111

2025-05-06T13:46:31.974038

Why is the Workfare Income Supplement (WIS) for platform workers aligned to that of employees only in 2029 when the increased CPF contributions for platform workers is implemented in 2025?

CPF contributions rates will gradually increase for platform workers from 2025 to 2028. To support lower-income platform workers during this period, we will provide the Platform Workers CPF Transition Support (PCTS) to help mitigate the drop in take-home earnings. PCTS will fully offset the increase in platform workers’ CPF contributions in 2025 and gradually taper down before ceasing in 2029.When the platform workers’ CPF contribution rates are fully aligned with employees in 2029, Workfare Income Supplement will be aligned with that of employees for platform workers who are mandated or opt in to the increased CPF contributions.

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CPF_111

2025-05-06T13:46:31.974038

Is there a minimum interest rate for CPF Investment Scheme Fixed Deposit (FD) that FD Banks must offer?

With effect from 1 May 2007, Fixed Deposit (FD) Banks must offer a minimum effective interest rate that is at least the prevailing CPF interest rate for new placements or roll over of any CPF Investment Scheme FDs. In this way, members will not be worse off than leaving their monies in the CPF Accounts.

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CPF_111

2025-05-06T13:46:31.974038

How can I make recurring monthly or yearly top-ups conveniently via GIRO?

You can make small and recurring cash top-ups via GIRO by following the steps below:Step 1:Set up a GIRO arrangementStep 2: Please allow one day for your GIRO bank account to be updated in the Board's record. Thereafter, please submit a request to makerecurring cash top-ups for retirement.Please note that you must completebothsteps for recurring cash top-ups via GIRO to be successful.Currently, the online application to set up a GIRO arrangement is only available for theseparticipating banks.If you encounter any difficulties in setting up GIRO, you maywrite to usfor assistance.

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CPF_111

2025-05-06T13:46:31.974038

How can I help a beneficiary with medical condition (e.g. physically immobile or mentally incapacitated) to withdraw their GovCash monies?

You can help a beneficiary with medical condition (e.g. who is physically immobile or mentally incapacitated) to withdraw their GovCash monies if you are:Aged 21 years and above; andA next-of-kin, or caregiver, or appointed donee under the Lasting Power of Attorney (LPA), or court-appointed Deputy of the beneficiaryTo help with the withdrawal of the GovCash monies, please bring the following documents and visit anyOCBC-New ATMduring branch operating hours, where OCBC Digital Ambassadors will be available to render assistance:a) Original documentary evidence stating the beneficiary's medical condition (e.g. doctor's memorandum, medical report or court order). The date of the document(s) should not be more than 1 year from the withdrawal date, unless it specifically states that the patient's condition is permanent or the condition is known to be permanent (e.g. bedridden, immobile, physically incapacitated, disabled, intellectually disabled, autism, down syndrome, cerebral palsy, etc);b) A photocopy of the beneficiary’s NRIC;c) Your original NRIC; andd) Beneficiary’s GovCash Payment Reference Number (PRN)You may be required to sign a Letter of Indemnity at the bank, witnessed by the bank officer.

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CPF_111

2025-05-06T13:46:31.974038

My child is below 16 years old. How do I transfer his Ordinary Account savings to his Special Account on his behalf?

If your child is below 16 years old and wishes to transfer his Ordinary Account savings to his Special Account, you can complete thisapplicationon his behalf.

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CPF_111

2025-05-06T13:46:31.974038

How does the Board treat the maturity proceeds by the insurer after I reached 55 years old?

The maturity proceeds from your insurance policies under the CPF Investment Scheme-Ordinary Account (CPFIS-OA) and the CPF Investment Scheme-Special Account (CPFIS-SA) are handled differently.For insurance policies under:CPFIS-OAFor CPFIS-OA policies, the proceeds would be refunded to your CPF Investment Account with your agent bank. You can instruct your bank to transfer the monies back to your CPF Ordinary Account. You can apply for withdrawal of the monies (once the proceeds are credited) subject to the prevailing CPF withdrawal rules. Find out more onwithdrawal of CPF savings.For policies that have already been transferred to your name earlier when you applied for withdrawal of your CPFIS investments, it would be considered as cash policies and the insurance companies would pay the proceeds directly to you.If you need to withdraw more than the default online Daily Withdrawal Limit of $2,000, find outmore.If you need to withdraw more than the maximum online Daily Withdrawal Limit, find outmore.CPFIS-SAFor CPFIS-SA policies, the proceeds would be refunded to your CPF Special Account. You can apply for withdrawal of the monies (once the proceeds are credited) subject to the prevailing CPF withdrawal rules. Find out more onwithdrawal of CPF savings.If you need to withdraw more than the default online Daily Withdrawal Limit of $2,000, find outmore.If you need to withdraw more than the maximum online Daily Withdrawal Limit, find outmore.For policies that have already been transferred to your name when you applied for withdrawal of your CPFIS investments, it would be considered as cash policies and the insurance companies would pay the proceeds directly to you.

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CPF_111

2025-05-06T13:46:31.974038

I have transferred money from Investment Account back into my CPF Ordinary Account. When does the CPF interest computation start?

When you transfer money from your Investment Account to your Ordinary Account, you will start to earn CPF interest on the transferred amount from the following month onwards.

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CPF_111

2025-05-06T13:46:31.974038

How will CPF investors benefit from the reduced Total Expense Ratio (TER) caps?

Expenses on investment have a significant impact on returns. Hence, reducing Total Expense Ratio caps will lower the expenses that CPF investors have to bear and increase a fund's per-unit net asset value. This will enable CPF members who have invested in the fund to accumulate their retirement savings faster.The following example illustrates the impact of expense ratio:Amount invested: $10,000 over 30 years, with annual return of 5%1Total expense ratio of the Fund decreases from 1.95% to 1.75%Savings =$1,475(or 6% more in his retirement savings)Expense Ratio of 1.95%Expense Ratio of 1.75%Net investment value after 30 years$24,629$26,104Savings$1,4751Assumes no front end load

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CPF_111

2025-05-06T13:46:31.974038

What documents must I provide when I lodge a report regarding CPF non/under-payment?

You should provide documents such as your monthly pay slips or employment contract for CPF Board to determine the CPF contributions due to you.To minimise potential disputes between you and your employer, the contract must include key employment terms (KETs) and essential clauses, such as hours of work and job scope. For further information on employment contract and KETs, please refer to theMinistry of Manpower website.

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CPF_111

2025-05-06T13:46:31.974038

What are the different evaluation factors for admission into CPF Investment Scheme (CPFIS) under the old and new entry criteria?

New funds will continue to be evaluated according to existing evaluation factors. However, new funds will have to meet a higher benchmark, and henceforth funds admitted to CPF Investment Scheme will be among the top 25 percentile of funds. In addition, new funds will have to meet an expense ratio criterion pegged at the median of all funds in the same risk class. New funds should preferably also have a track record of at least 3-years.Supplementary InformationThe specific aspects of the investment process that are looked at during the evaluation process for Unit Trusts and Investment-Linked Insurance Policies include the following:Investment Philosophy;Key Decision Makers;Research and Analysis;Portfolio Construction;Implementation/Trading; andPast Performance.

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CPF_111

2025-05-06T13:46:31.974038

I am on no-pay/study/medical/maternity leave. Will I be considered as employed to qualify for Workfare Income Supplement?

For the purpose of Workfare Income Supplement (WIS), staff on study/medical/maternity leave will be considered as employees if you are still receiving a salary and CPF contributions from your employers.

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CPF_111

2025-05-06T13:46:31.974038

Are CPF contributions payable by the holding company or the subsidiary company if I am seconded from the former to latter?

The employer who had entered into an employment contract with you is required to pay the CPF contributions.

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CPF_111

2025-05-06T13:46:31.974038

How long does it take to process voluntary top-ups application to my MediSave Account?

The application relating to voluntary top-ups to MediSave Account will be processed as stated in the table below.ServiceProcessing TimeTop up MediSave AccountAlmost immediatelyIf the top-up amount is not reflected in your CPF accounts, please check your CPF account balance after five working days as more time may be needed to process the transaction. Such cases may arise due to intermittent network connectivity issues beyond CPF Board's control.Please alert us immediately if your payment is still not updated in your CPF account balance after five working days.

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