See email 8 Apr…

guardian can’t access the fund before kids turn 21. After 21, kids will not be under control of guardian

There is no default guardian except the parent of the children.  That’s why it’s important to appoint a guardian in case both parent are not around. Usually in such case, the court will decide the guardian.  Might be home or foster parent.

Q: At what age will my kids no longer need a guardian? At that age they will receive full control of the inheritance, right?
A: 21 years old is the legal age in Singapore. (Have full legal capacity at this age)

However, cpf age threshold is 18. At 18, boy would have full access to his portion of the cpf bequest.

For cpf nomination, I put in 98:1:1