无须专家来说明
公积金归属谁人

(First and foremost, it doesn't take a PHD or genius to tell us CPF belong to who, thus there is no ownership issue here. The owner should be the one who decide what to do with his own money. Furthermore, at the age of 55, the owner is an adult who is deemed to have the legal right and responsibility to take care of his own business and manage his own money. No doubt there are cases where some folks mismanaged their CPF money but these are isolated cases on individual basis, we cannot use that to generalize as if all local adults who surpassed the age of 55 tend to mismanage or squander their retirement fund. Do not make hasty generalization and be a hypocrite to act as if one is so concerned and caring over the local adults on their way of managing their own finances, it is also very lame to use that as an excuse to hold back people's retirement fund.)

首先，不需要博士或天才告诉我们公积金属于谁，因此这里没有所有权问题。属主应该是决定如何处理自己钱财的人。此外，在55岁时，属主是个成年人，被视为拥有合法权利和责任来照顾自己的事业并管理自己的钱财。毫无疑问的，在某些情况下，有些人不当地管理他们的公积金并且搞到自己血本无归，但这些是个别的孤立案件，我们不能用它来概括，好像所有超过55岁的本地成年人时常管理不善或浪费他们的退休基金。不要急于做笼统的概括并做个伪善的人，就好像政府如此关心并照顾本地成年人并且关注他们管理自己的财务方式一样，以此作为阻止人们领取自己的退休基金的借口，也是非常蹩脚的。诗曰：

无良政策真不公；
须得改制百弊积；
专门扣留退休金；
家贫病重难索归；
来世无法领所属；
说长道短应怪谁；
明显只有白衣人！