That Singaporeans are having to work and even encouraged to work into their 60s is even more reason that they should have their CPFs returned when they reach 55. HDB prices should also be reduced drastically to allow Singaporeans to save into their CPF instead of the HDB. The PAPzis have cornered themselves idelibly with their greed. Pinky Loong has scored an incredible own goal by going after Roy. His numerous incomes, his wife role at Temasek and his statement to reward his supporters have come to a crossroad.