Is it right to include Central Provident Fund (“CPF”) saving as part of the networth? I think that one should include this sum of fund as part of the networth. Even though the majority of this sum of money can be withdrawn at the later age, it will be right to include as part of the networth. However, I will treat this sum of fund as the money which I do not see and consider to be part of my retirement plan. I plan to quit my full-time employment at any point of time. CPF fund withdrawal is at least 15 years away from now. I feel that it is not right to consider it as part of my plan. The same also applies to Supplementary Retirement Scheme (“SRS”) which can be withdrawn in which 50% of the SRS withdrawals are taxable at retirement which currently stands at 62.