The CPF cuts made 10 yrs ago to cut CPF for older workers to make them more employable is a major policy mistake that left workers not enough for retirement today. The budget acknowledges this and Tharman is going to restore the CPF rates. But why only from Jan 2016?? Why not immediate?? What about all the losses during the last 10 yrs because of this stupid policy?? Is the gahment going to compensate us???