— basic plan (declining payout but more to loved ones) beats standard scheme
With Basic, only about 12-15% of the snap65@cpfRA balance is initially transferred to the annuity, while the remaining 85% continues to earn 4% in RA.

The CPF-life estimator supports three modes —

• monthly payout graph
• cum payout graph
• bequest graph

You get an Aha when you add up the bequest + cumPayout projections. IFF you live beyond 89 does the Standard beat the Basic in the add-up comparison.

I see online discussions that Jul 2021 has introduced a new version so you may not be able to see the same graphs. Can ask CPF board about the old estimator.

I think monthly payout declines under Basic, only after,  not before “combined CPF balances eventually fall below $60,000”.  I think cpf calculator will show around age 90.

— escalating payout? unpopular and /disadvantageous/. I don’t worry about running out of income in my 90s
— delayed payout? not worthwhile according to officer Teo
https://lifefinance.com.sg/cpf-life-should-i-defer-the-payouts-to-age-70/ .. agrees.