If you have enough money, then join the CPFlife at age 70. Interest earned in RA account from 65 to 70 remains yours. That is if there is 200K in RA, then interest of $40K will be added to the CPFLife. So if I do kick the bucket before 85, my beneficiary will get the money. Additional $40k is good to have. The article in Today explained the concept well:
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