The Central Provident Fund (CPF) is a risk- and tax-free retirement savings plan. So why is there a sense of uncertainty among some people over whether their CPF monies can see them through old age? Could it be that people have unrealistic expectations of better returns from a conservative savings plan? Or is it that they do not treat their CPF funds like their own money? If CPF is primarily a savings plan for retirement, it should not be allowed for too many other uses such as housing, health care, education and investment.