Summary:
The claim that CPF keeps your money after you pass on is not true. Your CPF monies are yours, and with the CPF Nomination scheme, you can distribute your CPF savings according to your wishes.
This scheme allows you to nominate anyone, including a charity, to receive your CPF savings. You can change your nomination at any time except after getting married. If you don't make a CPF nomination, your savings will be disbursed by the Public Trustee's Office based on intestacy laws, and there will be admin charges for this process.
However, making a nomination is free and has no admin charges. You can do a CPF nomination online through my cpf Online Services with your Singpass or in person at any CPF Service Centre, where Customer Service Executives can serve as witnesses.
Making a CPF nomination ensures your nominees get the proportion you allocated for them, and they receive your CPF savings quickly within a month.