1. Ah Kow is a Malaysian from Penang. He came to work in Singapore and became a Permanent Resident. After decades of working in Singapore, he COLLECTED his CPF SAVINGS and returned to Penang to retire comfortably in a bungalow with a Mercedes car.
2. Li Ning is a student from China sponsored by the Singapore government to study in Singapore. She was given a living allowance and free education from Secondary One to University. After graduation, the Singapore government employed her and asked her to be a citizen. She declined, continued working for 5 years and went back to China for a better-paying job (as people who can speak English are valued in China, thanks to sponsorship from Singapore) after collecting her CPF SAVINGS.
3. John is a New Zealand (Kiwi) citizen. He was employed as an English teacher and got his permanent residency after just three months. He worked for ten years and COLLECTED his CPF SAVINGS and went home to buy a bungalow and a Volvo car.
4. Krishnan is a Singapore Citizen and worked as a technician until he was retrenched as the boss employed a cheaper foreign talent. Then he became a taxi driver and found he could not renew his taxi licence unless he paid money into his CPF. When he was 55 years old, he found he could not withdraw his CPF SAVINGS. When he reached 65, he found that the CPF Board only refunded him $500 a month of his own money for his living expenses. Then they told him that he has to pay medical insurance premiums from 1st November this year or be thrown into jail.