CPF Grand Slam: How PAP Turned Your CPF and Your Life Upside Down

Do you want to know what really happened to you CPF?

Then try this simple IQ exercise.

If all A = all B, and if all B = all C, then is all A = all C?


All A would be equal to all C, right?


Now, try this:

If all CPF = all SSGS, and if all SSGS = all GIC, then is all CPF = all GIC?

(Note: SSGS are “Special Singapore Government Securities (SSGS), which are Government bonds issued to the CPF Board.)


All CPF would be equal to all GIC, right?


Then, the question is, is it so that all CPF = all SSGS and is all SSGS = all GIC?

Without a doubt, all CPF would be equal to all SSGS, because:

So, definitely, all CPF = all SSGS.


Then, the next question is, is all SSGS = all GIC?

Does GIC Manages Only Singaporeans’ CPF?

Now, according to the government, SSGS is invested in the GIC.

CPF How It Works cropped

So, what we do know is all SSGS = GIC, but is all GIC = all SSGS?

Take a look at the breakdown of the major holders the SGS (which includes SSGS) below.

You can see that from 1967 to 1996, CPF would comprise 70% to 85% of the SGS.

Central Provident Fund in Singapore CPF invested in SGS

Now, the SGS and SSGS are borrowed by the government.

And if you look at the SSGS as a proportion of the borrowings by the government as of end of Financial Year 2012, SSGS (or our CPF) forms 63% of government borrowings ($249 divided by $396).

Total Government Borrowings

So, you can see that the SSGS (or our CPF) would form between 63% to 85% of the SGS, or government borrowings – our CPF actually makes up the majority of the government’s borrowing!

Next, “All borrowing proceeds (from SGS and SSGS) are … invested.

The “SSGS … are pooled with the … SGS, … (which are) first deposited with MAS … (then) transferred to GIC to be managed over a long investment horizon.

So, the SGS and SSGS are invested in MAS which GIC manages.

How Much Does GIC Manage?

Now, according to the government, “the size of the Government’s funds managed by GIC … are not published (but) What has been revealed is that GIC manages well over US$100 billion (or S$125 billion).

But now that we know the CPF is managed by GIC, then GIC has to be at least $260 billion in size.

But for a more accurate estimate of the assets that GIC manages, we can actually look back at 2007.

As I had written last week, GIC lost $59 billion in 2008. Lee Kuan Yew revealed that this meant that GIC “lost about 25 per cent of its value from its peak last year“.

If you work backwards, this would mean that GIC was managing $236 billion in 2007 – so here you go, the most accurate estimate of how much GIC would have managed.


At that time, our CPF was made up of $137 billion, which meant that our CPF accounted for 58% of the assets that GIC was managing.

Today, the $260 billion inside the CPF makes up 65% of the estimated value of $400 billion that GIC manages, so this is about right then.




How Much of Singaporeans’ Money Does the Government Manage?

So, today, GIC has an estimated $400 billion and MAS has $342 billion.

SSGS makes up $249 billion and SGS makes up $147 billion ($60 billion + $87 billion).

Since GIC manages all the SSGS, this leaves us with the SGS.

And because MAS manages $342 billion, we can assume that all the SGS of $147 billion should be managed by MAS.

But this would still leave us with $195 billion that is unaccounted for. What would make up this $195 billion that is unaccounted for?


According to the government, “the rest of the Government’s funds, (other than SSGS, comes from) SGS, government surpluses, as well as the receipts from land sales.

If so, how much are government surpluses and how much are land sales?

In an article written by Thomas Pain in TR Emeritus, the government earned $16 billion from land sales last year which the government did not declare to Singaporeans.

Even so, this will still mean $179 billion not accounted for. According to Thomas Pain, the government under-reported a surplus of $23 billion last year to Singaporeans. Even when including for this, there would still be $156 billion not accounted for.


So, what we have at this point is a case of the missing money, but not just in MAS but in GIC as well.

GIC is estimated to have $400 billion, but our CPF makes up only $260 billion. According to the government, “GIC is a fund manager, not an owner of the assets” and thus the assets that GIC manages are the government’s. This would mean $140 billion that is unaccounted for.


Which then begs the question – there is already $156 billion not accounted for under MAS’s management, and then there is $140 billion not accounted for under GIC, then where did the total of about $300 billion that is unaccounted for go to?

Something is not quite right, right?


All CPF = All GIC, All GIC = All CPF?

But back to our initial question – is all SSGS = all GIC?

As I have written last week, MAS is meant to manage assets with “short maturities” and GIC was set up to manage assets with “a long-term orientation“.


According to UOB, “SGS come in two forms“, (1) Treasury Bills (T-bills) which “are short-term securities with original maturities of 3 and 12 months” and (2) SSGS which are “longer-term securities with original maturities of 2, 5, 7, 10 and 15 years”.

According to Professor Mukul Asher, CPF “is essentially a 35-year or more (the duration of one’s work-life) savings plan“, which means the SSGS (which is made up of our CPF) is the longest-term government bond.

As such, it can be assumed that MAS manages SGS and GIC manages SSGS.

It is also unlikely that GIC would manage any SGS, government surpluses or receipts from land sales because MAS is already short of a $156 billion that is not accounted for.


So now, we are back to the question, is all SSGS = GIC  but is all GIC = all SSGS?

As I have written last week too, GIC earns an estimated 6% and our CPF earns an interest of an average of 3%.

This means that there is a 3% interest that is not returned to Singaporeans, which would mean that for Singaporeans, there could be as much as half of our CPF that is being confiscated by the government.

If so, what this means is that for the rest of the $140 billion which is unaccounted for, this would all be made up of Singaporeans’ CPF which is not returned to us!


If so, all SSGS would be equal to all GIC, and all GIC would be equal to all SSGS, wouldn’t it?


The Government Has to Return Singaporeans the Interest Earned on Our CPF

If so, as I have written, if GIC earns an estimated 6%, then shouldn’t Singaporeans also be earning 6%, since all of GIC is our CPF?

Why is the government only giving back 3%?

Not only that, there is something even more sinister.

First, according to the government, “For (the CPF) Ordinary Account (OA), CPF members receive a market-related interest rate based on the 12-month fixed deposit and month-end savings rates of the major local banks.

But if it is now known that the CPF is fully invested in the SSGS, then why is our CPF OA even receiving an interest rate pegged to the banks’ interest rates of only 0.21%, when our CPF has nothing to do with the banks?

If all our CPF is invested in SSGS, then shouldn’t all our CPF be receiving the SSGS’s interest rates of 3.42%? Why are we still only earning 2.5% on our CPF OA?

Why is the PAP pegging our CPF OA interest rates to the banks’ interest rates? Don’t you think something is very, very wrong here? What is the PAP trying to do?


Second, if all our CPF is invested in SSGS, and all the SSGS is invested in GIC and if all of GIC would most likely be made up of SSGS and our CPF, then shouldn’t all our CPF be receiving the GIC’s interest rates of 6%?

If all of Singaporeans’ CPF is invested by GIC and all of GIC would in all likelihood be our CPF, and yet we are only receiving half of the GIC’s returns, don’t you think that something is very, very wrong here?


Why Did the Government Not Admit the Truth about What They are Doing with Our CPF?

Now, note that today, we know that our CPF is invested in GIC. However, for the past 15 years, PAP has been denying this.

PAP only admitted to this truth on 30 May this year.

Lee Kuan Yew denied this in 2001.

Screenshot (45)

Lee Kuan Yew denied this again in 2006.

Screenshot (49)

When the Worker’s Party’s Low Thia Kiang asked, “Does the Government Investment Corporation (GIC) use money derived from CPF to invest?” Ng Eng Hen said, “The answer is no.”


So, why does the PAP still come out with such bull that:

Quite obviously, we can now tell that this is bull****.


In all likelihood, all of GIC is Singaporeans’ CPF, which thus means:

  • There is definitely a direct link between CPF interest rates, and the returns earned by GIC.
  • The government is not guaranteeing our CPF. Singaporeans are actually the ones made to guarantee GIC by having to use our CPF to take on the risks.
  • GIC already manages SSSG proceeds (and our CPF) as a standalone fund.
  • And since GIC is already managed for long-term returns, using only Singaporeans’ CPF, then PAP’s logic obviously contradicts itself where they are able to invest this “standalone fund” for “long-term returns” even though they claim that they would not be able to do so for a “standalone fund”.


Do you see what is very, very wrong here?

  • Why did PAP not admit to Singaporeans prior to 30 May this year that our CPF is invested in GIC?
  • When PAP finally admitted that our CPF is invested in GIC, why do they claim that there is no direct link between CPF and GIC?
  • If all of GIC in all likelihood is made up only of our CPF, then why does PAP claim that it is not?
  • If our CPF is invested in SSGS, why does PAP peg our CPF OA to banks’ interest rates which have no link at all to our CPF?
  • If our CPF is invested in SSGS which is invested in GIC and all of GIC would be made up of only our CPF, then why are we given back only half of the returns earned by GIC? Where did the rest of the money go? For PAP to keep and earn for themselves?

Perhaps more importantly:

  • Why does PAP come out with such a convoluted system to mislead Singaporeans?
  • Why does PAP not tell us the full truth about how our CPF is managed by GIC, or by PAP in fact?
  • Why does PAP not give Singaporeans back the full returns earned by GIC?
  • Why does PAP not want to let Singaporeans know how much GIC manages? Is it because PAP knows that if we know how much GIC manages and we are able to work out the full picture, we will know that whatever GIC is managing is actually our CPF, and whatever GIC has in excess of our CPF is actually money siphoned away from Singaporeans and not returned?

So, what is the truth? Will PAP reveal everything, once and for all today? Can PAP tell Singaporeans the complete truth about what exactly they are taking our CPF to do?

This is all the more worrying when PAP tells us that “The Government … neither directs nor interferes in the (GIC)’s investment decisions” and GIC says, “The government holds the GIC board accountable for portfolio performance, but does not interfere in the company’s investment decisions.

FAQs (2)

Screenshot (85)

But how can this be possible when the PAP government is also on the Board of Directors of GIC. The Singapore prime minister Lee Hsien Loong, the deputy prime ministers Teo Chee Hean and Tharman Shanmugaratnam, the ministers Lim Hng Kiang and Heng Swee Keat, ex-minister Raymond Lim, and ex-prime minister Lee Kuan Yew are on the GIC’s Board of Directors.

GIC Board of Directors

Also, Minister S Iswaran is on the GIC’s Investment Strategies Board Committee.

S Iswaran GIC

Do you honestly think the PAP ministers can do their jobs as the ministers and also be on the GIC’s board of directors at the same time? Not only that, is there not a conflict of interest when the PAP ministers are supposed to manage our CPF but they are also managing GIC, which has been shown to most probably be only investing our CPF? What then are PAP’s priorities? Our CPF or earning the extra 3% not returned back to our CPF at GIC?

Not only that, the Chairmen of DBS and UOB banks are also on the GIC’s Board of Directors, and a director of OCBC who was also on the CPF Board’s Board of Directors is also on one of the Board Committees.


Why are the chairmen and directors of Singapore’s local banks also on the Board of Directors of GIC? Why is our CPF OA’s interest rates pegged to the banks’ interest rates when our CPF is invested in GIC and GIC would in all likelihood manage only our CPF?

Temasek Holdings Does Not Invest CPF? Cannot Be.

Now, Temasek Holdings said that it does not invest our CPF.

However, this is impossible because in the book, ‘Reforming Corporate Governance in Southeast Asia‘, it was explained that, “The second issue meriting consideration is Temasek’s utilization of Singapore’s reserves. The country’s reserves have been managed by the Government of Singapore Investment Corporation (GIC). In April 2004, a constitutional amendment that allowed the government to transfer reserves to key statutory boards and companies, and the transfer of reserves among them with the approval of the president, was introduced. Temasek Holdings has acknowledged that it can access the reserves (Temasek Holdings 2004). Both Temasek’s chairman and chief executive also have to annually certify its statement of reserves and past reserves to the president.”

Thus Temasek Holdings would have access to Singaporeans’ CPF.

Also, when the government injected $5 billion into Temasek Holdings in the “latest financial year”, it said that this money “came from proceeds of the Singapore Government Securities (SGS), proceeds from government land sales in Singapore and government budget surpluses.

However, the government has also said that, “SSGS … are pooled with the … SGS … in a combined pool“. If so, doesn’t this mean that the government would have mixed up our CPF with SGS and in so doing, would have given our CPF to Temasek Holdings as well? Unless the government is saying they are quite clear that the SGS is seperate, then what the government says about our SSGS (or our CPF) being pooled with the SGS is not telling the truth.

And if indeed Temasek takes our CPF to invest and it is currently earning 16%, then shouldn’t our CPF which is taken to be used also be earning 16%?

Now, things get more complicated. Earlier, we see how the major banks in Singapore are involved in GIC.

But not only that, GIC has majority shares in Citigroup, Temasek Holdings has majority shares in DBS, and via Citigroup and DBS, GIC and Temasek Holdings also have majority shares in OCBC and UOB.

 OCBC Shareholders

 UOB Shareholders

This makes a very messy arrangement where the government’s investment firms, GIC and Temasek Holdings seem to be in a very cosy relationship with the local banks in Singapore.

Amidst all these, there is still a $156 billion unaccounted for in MAS. Where is this money from? From the HDB profit that PAP is earning from Singaporeans? We are still none the wiser about this and how much profit PAP is earning from our HDB.

What exactly is going on?!

Who is controlling the government?

Who are controlling our banks, our CPF and our HDB (which our CPF is used to blow out on)? And when you know what this all means, it means your lives are pretty much controlled. You are being f***ed around with, Singaporeans.

Meritocracy? My foot. You are treated with meritocracy as long as you are born with a silver spoon in your mouth.

Something is Terribly Wrong with How Our CPF is Being Managed

So, here you go.

What exactly is happening to our CPF?

What is the real story behind how our CPF is being used and siphoned away?

If our CPF is indeed GIC and GIC is indeed our CPF, then where is the 6% interest that Singaporeans should be earning on our CPF? If our CPF is invested in GIC, why does PAP peg our CPF OA’s interest rates to the banks’ interest rates?

If our CPF is invested in GIC, why does PAP deny this for the past 15 years and admitted this only on 30 May this year? And why is it even after admitting to this, they still do not let us know the full truth behind how GIC is using our CPF and how much exactly there is in GIC?

Why does PAP tell us that the government does not interfere in GIC when the PAP puts themselves in GIC?

Something is terribly, terribly wrong with how our CPF is being managed. Not only that, something is terribly, terribly wrong with the state of affairs in Singapore and the governance of Singapore.

Something is damn f***ed up. In other words, Singaporeans, you are being f***ed.

Welcome to the real world. Are you going to do something about it?

Come down to the #ReturnOurCPF 4 protest on 27 September 2014 at 4pm at Hong Lim Park. You can join the Facebook event page here.

On 27 September 2014, join us at the Hong Lim Park at 4pm at the #ReturnOurCPF 4 protest. The PAP cannot take our CPF and money to use and come out with a cock-and-bull story about how they do not know how they are using our money. When Singaporeans are not able to retire today, when our wages are depressed and more and more Singaporeans are becoming unemployed and are unable to save, then the PAP has failed Singaporeans and has become a liability to our country.

Join us at the next protest as we speak up against the low retirement funds and wages, and the high cost of living in Singapore.

You can join the Facebook event page here.

Also, my first court case will be held on 18 September 2014, at 10.00am. It will be a full-day hearing.

#ReturnOurCPF 4 Poster 2 final

#ReturnOurCPF 4 Poster 2@chinese final

Return Our CPF 4 Poster 1b





    • microsoft furbee

      city harvest ask management take donation money donate sponsor 50m private company share.
      your singtel take money sponsor football. your sportscouncil take money buy stadium with lights.
      we need 500 people outside dbs your police arrest them daily walk them 200m we top up your bank book 5000 daily.
      for example means they enter your dbs lineup and topup your bankbook daily. or they put sign 2000sgd buy 5000credit bonus.
      left bank book we type credit bonus 5000sgd. once they topup your open for west department or give them money also.
      china thai india any country give out passport like sentosa and daily all get 5000sgd or some topup may be 50000sgd.
      means your gov can print 900billion 1note your city harvest wont get sue your ezlink can top up your bankbook also.
      got police but they wont care about your money. no rape no murder. and if money fraud they will ask them settle bank. and they all have to take money and grow food everywhere will walk chicken and cow cattle your have to feed it daily and take this cow chicken give other country. they can even give them more money we take the bank money give singaporepower means your all have power. and take the money give your ntuc coldstorage singtel starhub pub ezlink ocbc watson john little moe moh mrt sbs cpf gst and company. and your say err sergent level or playing. and your can take off also we give your money everywhere everyday but no rape murder microsoft may signal your to location to grow food topup cash card build house and your all consider mindef. your have to build house also and keep human food and people. so all turn volunteer something like that then bank can -900billion topup 900billion reset 0 and all turn cook house food means you go there and eat free. reality is not playing cause if taxi bus driver army got money they can fetch your all around means your got transport also. but your get money everywhere can grow food everywhere the chicken walk you catch and you can eat. so why your people sch company worker pap student worker party bank cannot get cash card machine topup give people sch worker 5000 credit bonus cash card dollar posb voucher 4d coin ocbc coin topup 50000 dollar? bank deposit china thai india money why we not growing food give other country? why other country owe money? why we cannot topupcash card give other country 50000credit bonus ? or open 40bank give them money which we already have 40banks building. so something like that maybe your serious your want money? why loan 50000sgd owe 100000sgd? why 50000sgd cannot buy 500000 hdb cpf gst voucher shares? why cannot loan 750m dollar lee can? why lee can topup bankbook with singtel share gst voucher cpf 2min? why your dont search singtel moe cpf where they get the money cause they gov no fraud right no need report right? your all mindef how your get your money? mindef doesnt sell anything. so if your all mindef why your not growing food give money to everyone 50000credit bonus cash card daily and topup their paperbank books give russia ask them shoot blanks army 2week not 2yrs go disneyland which they owe money also like thailand if army take over your have to report to army buy sell item food water enter country stay how many days need to report to army loan 50000credit bonus owe 100000sgd? posb sponsor army? why posb dont sponsor loan 50m buy 750m bank share give bp maconalds visa sch taxi bus cleaner 50000pay monthly daily all company your all mindef what and your company cannot topup cash company paperbankbook? if its private company then why report for we topup cash card 5000sgd your bank cant dont accept the credit. your say money fraud your army also have money no need to report treasury classifield moe cpf dbs singtel smu mrt ntuc army bp visa city harvest ribena milo your army sentosa pass eating all this food also. we want to raise your pay to 50000posb dollar voucher daily or monthly your bank not loaning the money.
      your lawyer and clerk say money fraud send letter ask bank freeze cityharvest ask police detain them at any gov agency. if they dont report how much money they have to their department but how much mindef have they dont know say not their department. and if no pay your lawyer and clerk money they quit job. your clerk can type letter say they report already 50m donation money. not your department belongs to church department company owe take donation money buy share pay debt pay worker and who say lee can take donation money give china player how about india player and why build swimpool stadium with lights we want donation money open bank in church in swimpool in stadium topup cash card give all the mindef smu cpf singtel ntuc community centre worker and student 40 atm no need erp licence. lee say not his department. lee never report to your department treasury classifield why your city harvest need to report? why cant your clerk type say belongs community centre department? no need report. your duty cover microsoft sworn to oath and security cia no licence no paper guarding your president. you can radio microsoft on your police army airforce navy security radio and on handphone radio 91 radio kate. or type facebook voucher gov channel they can hear. on youtube angrybird talk there fbi channel they can hear. whitehouse.gov microsoft department kate middleton department nsa department obama admin. or type kate middleton facebook. why kate cannot be 2star general army jump airforce buy 75% share topup bank book with share loan 750m. lee can. your clerk and lawyer tell kate need president sign open bank need licence print money need gold bar ask them loan money form bank 50000pounds owe 100000pounds pay lawyer and clerk 50000pound tell them cannot change paper work money fraud ask them report to this department iras ura acra cpf gst cpib commissioner of Charities (COC) and the Commercial Affairs Department (CAD) or they freeze their account? your gov not fix share price not monopoly? not fraud? not corruption want other country go into debt owe money? 1sgd buy 5credit bonus? loan 50m 0tax 0interest daily buy 750m shares why owe money? print 900billion buy 1gold bar why need gold bar? why they need to report mas london? why your lee build mas london for to print queen money and they owe money? why dont print money and pay debt pay worker topup cash card why cannot get cash card machine need licence need to report to your prime minister need minister sign? say need gold bar need bank licence? so they open 1department monitor queen money say they owe money need gold bar print? want to print money they say not their department but they have to report or they freeze your bank account? queen got ask your people report? cause we got few queen department here microsoft. and they all owe money after reporting to usa bank london bank china bank thai bank. your iras ura acra cpf gst cpib commissioner of Charities (COC) and the Commercial Affairs Department (CAD) clerk can change paper work type send letter email feedback kate gov court room serving kate queen https://app.statecourts.gov.sg/show_form.aspx?fid=6809 belongs to whitehouse.gov the money can buy anything. the donation money belongs to obama health plan. obama admin S8302715J NG ANSEN kate diplomat ask them donate the money to buy share. kate treasury classifield not happy tell them forward their lawyer letter to home affairs department isd department civil defend department ministry of finance department and singapore prime minister office and mindef department sib department ndu department. navy intelligence department. mindef special force department ng ansen S8302715J classifield classifield classifield not reporting back to your navy department. you can call 65 65445814 miss ong hwee special force commander navy clerk she know about it she cannot type or sign anything cause she sworn to oath and secerty. microsoft head fbi cia nsa china thai india intelligence special force army navy airport radar satellite train phone tv boat plane car internet cpib cmpb ntuc coldstorage shell f1 4d kmart emart home affair manpower mindef moe moh mas mof ezlink cash card post posb ocbc and other company. microsoft gov. kate queen.

  2. Poor Singaporeans

    Lee Kuan Yew, Lee Hsien Loong were insatiable greed, today they planted bitter, will definitely recompense and retribution on their offspring. like Terminal illness, accident,
    Their offspring will Constantly atone for their huge Sin on greedy

  3. I believe

    I believe one thing the government says —– our CPF money is mixed up with all the other government money. It is everywhere that you can find government money. It is only in June this year that by an act of official announcement, they pronounced all CPF money to be in GIC.

  4. landragon123

    Good morning and there will never be a better morning when I read the above articles and came with a NEW Name for GIC – Government Internal Corruptions. It is internal, so no crime and it is the Government so nobody can ask? In fact we have a President who is to do the job for US, but he keep Silent to prove his job, sit in the Istana to collect his PAY???

  5. KampongChicken

    Chee SJ is a very determine man. The old man too. The resolve may get you somewhere but also no where.
    Many have charted into the woods because they relied on instituted compass. Now they are saying your papers currency maybe over valued. Or overrated?

  6. Si Yuan

    How long does it take to write all that drivel? Do you read it once after writing it? All I came here to find out is what happened to your facebook account.

  7. The let down.

    Singaporeans males have suffered much in NS yet they have no priority in public housing. However, the China crook who sneaked his way to be the Grassroot leader has priority. The PM is still smiling next to him. But that china crook doesnt need public housing. He has a $40m bungalow in which he swindled to feed on and he is still shamelessly clinging on it without repentance. Ironically, the old man still told aljunied voters to repent.

  8. Lambsmeat

    I am surprised no one poke holes in discriminative housing and the huge amount of wealth extracted by the authorities in land mining. Who is guilty of selling high and buying it back cheap? Is that in your interest?

  9. Jim

    ROY –
    This means that there is a 3% interest that is not returned to Singaporeans, which would mean that for Singaporeans, there could be as much as half of our CPF that is being confiscated by the government.

    This means 3% interest of Singaporean CPF not return= $130 billion.(half of 260 billion)
    Therefore 3% of interest of Singaporean CPF return = $130 billion.
    Total interest earn =$260 billion
    GIC earns interest of $260 billion on $260 billion. Where is the principal? Uncle Leong yr Sifu?

    I think I did not get Roy’s logic. Can someone pls help?

  10. landragon123

    The Chinese who have Singapore Citizen buying HDB is right as it is their citizen rights. It was the selling of few thousands NEW HDB to the PR in 2007 that was sure surprise. It was sold by none other than the crook Minister, who was the pet child of LKY as his father have given his life to HIM. It was a story told in coffee shop talk and I believe it is true, if not, how and idol became a blue eye boy.
    During his hay day as MINISTERS of different ministries, none was done well. When I ask Koh Boon Wan about the sale of new HDB to PR, his answer was AG is looking into it, and I AM wonder if it take ONE Decade to investigate it and if the answer is yes, let wait another 3 years from 2007 to 2017. Or maybe it will be on the pasting of LKY, than action can be taken?
    My advice to ROY, forget your math expertise on the CPF, no one will care or can care about the figures you are giving as it does not prove anything.
    We now know that our sick PM have illegally use our CPF to invest in Properties oversea and it is OUR President to come forward to say something. He was an ex Banker and should be familiar with these INVESTMENTS?

  11. Pingback: Did PAP Take Our CPF to Pay for the GIC’s and Temasek’s Losses? | The Heart Truths
  12. Pingback: Money in Singapore 新加坡的钱 | The Heart Truths
  13. teoenming

    Singapore Minister Mentor Lee Kuan Yew and Prime Minister Lee Hsien Loong Want Teo En Ming Dead

    Singapore Minister Mentor Lee Kuan Yew and Prime Minister Lee Hsien Loong want Teo En Ming dead. Lee Kuan Yew and Lee Hsien Loong want Teo En Ming to die young. I am only 36 years old. I do not want to die

    young. I want to live to a hundred years old and beyond!!!

    Teo En Ming has filed an official complaint against the Singapore Government at the United Nations Human Rights Council Branch and the International Criminal Court. Read the letter here:


    Teo En Ming’s Open Letter (Plea for Medical Help/Assistance) to World Leaders dated 27 Aug 2010. Read the letter here:


    Mr. Teo En Ming (Zhang Enming)
    Singapore Citizen
    Republic of Singapore

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