Leaving a Legacy for Future Generations
wavy line banner



Leaving a Legacy for Future Generations

Picture of John Doe
John Doe
grandparents taking a picture with their grandchild

Legacy giving is a powerful way to inspire and enable future generations to create a better Singapore. By including a donation to charity in your financial and estate plans, you can ensure that the causes and communities you cherish continue to thrive. A recent survey showed that more than 60% of respondents would leave a legacy gift to help others in the community, but only 20% of respondents knew how to make a legacy gift. We hope this article helps demystify legacy giving.

What can you give?

As part of planning a legacy gift, you could choose to give:

  • Cash via a will
  • Non-cash assets such as marketable securities (publicly traded shares, bonds and unit trusts) via a will
  • Portion of CPF monies via CPF nomination
  • Portion of the insurance payout via insurance policy nomination

Who can you give to?

Whether you have a diverse range of charitable interests or a particular cause in mind, you can leave your legacy gift to The Community Foundation of Singapore (CFS). CFS’s grantmaking expertise and exemplary governance standards ensure that your legacy gift will be in safe hands, enabling you to make a difference just as you have planned. Alternatively, you could also leave your legacy to a specific charity of your choice.

How do you plan an estate gift to CFS?

To leave a legacy gift from your estate to CFS, you could specify the gift in your will, or nominate CFS as a beneficiary of your CPF monies or insurance policy. Dr Ang Beng Ti and Dr Audrey Looi plan to leave their legacy gift to CFS in their wills, in order to set up an endowment fund that will support the charity iC2 PrepHouse well beyond their lifetimes. You can read their inspiring story on our website or watch their story on YouTube.

What is a memorial fund?

A memorial fund is a fund that is named after a loved one to commemorate them and continue supporting causes close to their heart. Dr Lim Boon Tiong’s daughters understood how passionate their father was about urological cancer research, palliative care and eldercare, so they established a donor-advised fund in his name with CFS using a bequest from his will. Read about how CFS helped the sisters to carry on their father’s legacy.

Is it possible to start making an impact now and still leave a legacy gift later?

Yes. CFS makes it easy for you to give both now and later. You can establish a donor-advised fund to start your philanthropic journey now. Once your fund is started, it is simple to make supplementary gifts over time directly or through a will or nomination. David Lim is an example of a passionate philanthropist who plans to do just that. 

Legacy giving is a way for everyone to leave a Greater Gift that will benefit generations to come. Learn more about legacy giving and read more stories about people who have chosen to make a Greater Gift at https://legacygiving.sg/

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Stories Of Impact

2020 Annabel Pennefather Award winners Eunice and Wai Yhann: How perseverance and determination helped two young women become champion athletes

Picture of John Doe
John Doe
picture of Eunice and Wai Yhann

Every year on the 8th of March, the world celebrates the efforts and achievements of all women both past and present with International Women’s Day. This year, we honour a sports icon, lawyer and woman of the year in 2004 – the late Annabel Pennefather, who was a trailblazer in every sense of the word.

Annabel was a former national hockey player, former Vice-President of Singapore National Olympic Council, former President of the Singapore Hockey Federation, a pioneer of women sports administrators in Singapore and a champion of women in sports globally.

“As her long-time friend, I remember Annabel to be an elegant and warm lady. She combined her passion in sports with her skills as a lawyer to develop Sports Law, its rules and practices both in Singapore and internationally,’’ reminisces Arfat Selvam, Managing Director of Duane Morris & Selvam LLP.

‘’Annabel helped to raise the standards of governance in sports. It is befitting that IWF should honour the memory of a well-loved member by having this award in her name to promote the excellence in sports among our young women.”

Annabel’s legacy continues in the form of the Annabel Pennefather Excellence Award, which is presented annually to two female graduating student-athletes between 16 and 25 years of age, who have outstanding sports achievements. The award honours Annabel and her achievements in encouraging and empowering women in the field of sports.

Funded by International Women’s Forum (IWF) Singapore Education Grant, which is managed by the Community Foundation of Singapore, the Grant aims to recognise deserving young women with character and the commitment to achieve in their respective fields. 

“With quiet confidence, fierce intellect and ever disarming charm, Annabel helped women in Singapore transcend their boundaries through her own experiences as a sportswoman.  She always gave her best always to her family, work and country,’’ recalls Melissa Kwee, President of the IWF and friend to the late Annabel.

‘’IWF Singapore is grateful that her example and inspiration lives on in the lives of the recipients, whom I am sure she would encourage to simply be their best self.”

Besides sporting excellence, recipients of the award should demonstrate strong leadership, passion, integrity, moral character and conduct, and community spirit. The winners of the 2020 Annabel Pennefather Excellence Award are Au Yeong Wai Yhann and Eunice Lim Zoe, two young women who have demonstrated such excellence in their sporting fields.

It was Eunice Lim’s family that provided a nurturing catalyst for the young sportswoman to grow into her table tennis shoes at a young age.

‘’I picked up table tennis because I saw my brother playing against the wall when he got back from his school CCA training. I got curious and asked him to let me try it out and since then, I fell in love with this sport and have never stopped playing since,’’ Eunice remembers fondly.

Being a student-athlete, it was also a challenge for Eunice to maintain that delicate balance between doing well in school and training for competitions.

‘’I recall having to juggle both my studies and sports during major competitions seasons. It was not easy, as I did not take any breaks from school on both occasions. I knew I had to give 200% during my limited training sessions, knowing that my opponents are definitely clocking more training sessions than I can,’’ Eunice mulls in retrospect.

Eunice’s persistent efforts did eventually reap impressive rewards, bagging the 2018 bronze medal in the 11th South East Asian (SEA) Championship and a bronze medal in the 2019 Commonwealth Table Tennis Championship.

Winning the Annabel Pennefather award was an important milestone for Eunice, who had grappled with thoughts of quitting table tennis whilst transitioning to university.

‘’I had thoughts of giving up the sport at some point because I felt that I was not achieving much. However, winning the Annabel Pennefather award really acted as a source of encouragement and gave me one of the many reasons to strive on. It reminds me that one’s effort will be recognised, as long as we put our heart and soul into the things that we love.’’

The Annabel Pennefather Award serves as a reminder that encouragement and acknowledgement is a powerful and indelible source for young athletes in their path towards excellence.

For 21 year old squash athlete Au Yeong Wai Yhann, it was her family’s loving support and an early exposure to different sports that gave her the confidence and techniques to create a solid foundation.

Despite strong support from her parents and a good head start in physical sports, it was still a challenge as a student athlete to study for her International Baccalaureate (IB) examinations and compete for the SEA Games and Marigold Squash Championships, where she won medals in both competitions.

‘’My goal to perform well in both the tournaments as well as my IB examinations motivated me to keep pushing and working even harder. And so, I was extremely pleased to have won 3 medals – two silver and one bronze – in the 2019 SEA games as well as be crowned the Womens’ National Squash Champion in 2020 because I knew it was a result of many years and hours of hard work and sacrifices.’’

Having won the Annabel Pennefather Award has reminded the young athlete as to how fortunate she has been able to pursue the sport that she loves, and also a motivation for her to continue striving for greater heights and inspiring her juniors to chase their dreams.

“Always believe in yourself. You are stronger than you think, and can achieve anything you set out to do, as long as you are willing to work hard for it. But in the midst of it, remember to take little breaks and reward yourself – self-care is extremely important to keep you going.”

“My hope is to see the sport scene grow and see more youths pick up and compete in sport. Sport is not just about winning or losing. The journey of training and competing itself allows one to develop strong values such as perseverance and discipline, as well as forge many friendships with others. It provides opportunities for all and so I hope that more kids will engage in it.’’

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.


Let us continue to sayang our community

Picture of John Doe
John Doe
Young learners sitting on the classroom floor, participating in educational exercises.

We have been overwhelmed by the generous show of support for our community-driven Sayang Sayang Fund; from private individual and corporate donors who donated to the fund directly or set up their own fund-raising pages, we have far surpassed our initial target.

We have given out transportation vouchers to hospitals and polyclinics and are now looking to support vulnerable communities especially impacted by COVID-19’s precautionary measures.

Like the seven thousand children from low-income families who are now at risk from losing access to meals provided in school with the implementation of home-based learning. That is our focus now.

And that is why the Sayang Sayang Fund remains open: to help make sure no one falls by the wayside during this challenging period.

We aim to achieve this by:

  • Supporting community-based emergency response funds for marginalised communities adversely affected by the COVID-19 situation.
  • Providing innovation solutions and research to better combat COVID-19.
  • Building capabilities that support charities’ operational and/or business continuity processes.

Your heart-warming outpouring of love truly brings to life the community spirit of the Sayang Sayang Fund. Thank you for your continuing support.

*The Sayang Sayang Fund is a community impact fund to care for the vulnerable in our community during times of national crises. To support the Fund, please visit giving.sg or email contactus@cf.org.sg.You can also donate via PayNow. All donations above $50 are tax deductible.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.


The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road



Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.


The Peak Singapore: How responsible businesses can make their philanthropic dollars travel further

Picture of John Doe
John Doe
picture of CFS CEO Catherine Loh sitting on a chair

While more companies are heeding the call to give back to the community, selecting a worthy cause and monitoring the use of donations may be a complex task. That’s where the Community Foundation of Singapore (CFS) comes in. It helps corporations develop a long-term philanthropy strategy, find suitable charity partners, and track the outcome of donations.

“We help donors go beyond what they can do on their own, and identify charity partners who can provide accountability,” says Catherine Loh, CEO of CFS.

One way of creating greater impact is to look at fresh ways of addressing community needs, suggests Loh. Take UBS’ Diversity in Abilities arts education programme, which aims to develop the talents of children and youth with special needs. After attending the programme, participants are able to concentrate better and have an overall improvement in the pace of learning. Such potentially beneficial initiatives can be made possible only by corporations that have a higher appetite for risk and are willing to support them, says Loh.

In terms of managing charitable dollars, both donor and recipient must agree on how the money will be used, the duration of the funding and the kind/depth of reporting required, Loh says. More importantly, she adds, companies should adopt the mindset of a partner and view philanthropy as a “learning journey”.

“Just like any business project, things can go wrong. Sometimes, it could be a misreading of community needs, or there could be physical or manpower constraints faced by the charity. We hope to take corporates on a philanthropic journey, to help them gain insight into what it takes to make a meaningful change.” Read more.

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Stories Of Impact

#MyGivingJourney X Ravina Kirpalani: Taking family philanthropy to new heights

Picture of John Doe
John Doe
portrait of ravina

CFS launched the #MyGivingJourney series, which features extraordinary women in Singapore and their efforts in philanthropy. Our second story features Ravina Kirpalani, Head of Philanthropy at the Enpee Group Foundation, board member of Beyond Social Services and volunteer at HCA Hospice Care. 

Mention hospice and most people picture the atmosphere to be heavy or depressing. Instead, it is the exact opposite, says Ravina Kirpalani. Ravina has been volunteering at HCA Hospice Care for over 11 years and rates it as one of the most rewarding experiences in her giving journey.   

“I have learnt so much from the patients through their positive attitudes, amazing sense of acceptance and loving interactions. They have a zest for life and want to enjoy whatever time they have left,” she says. “The staff are also wonderful and caring and I leave each volunteer session so much fuller and more joyful than I did when I walked in.” 

Spending time with the terminally ill is just one of the many causes Ravina has embraced. As head of philanthropy at the Enpee Group Foundation, she oversees its community work, which stretches from Africa to India and Southeast Asia. The Enpee Group was founded in 1961 by Ravina’s father-in-law in Nigeria and has grown into a $300 million conglomerate.  

The Foundation kicked off in 2001 with community initiatives in Nigeria and India, where the group’s manufacturing plants are located. It also collaborates with charities such as the Tulsi Chanrai Foundation which does extensive work in healthcare, through its Mission for Vision, Mission for Primary Health and Mission for Water programmes in Nigeria. 

In Singapore, the Foundation supports several educational initiatives. It funds scholarships and bursaries at the National University of Singapore in the areas of solar energy research, environmental studies and medicine. It has also begun sponsoring 10 students who are studying for their nursing certificates at the Institute of Technical Education. And in 2021, it set up a scholarship for three students to complete their BSc in Nursing practice. The Foundation also grants aid to outstanding individuals from India and Nigeria to study for a Masters in Public Administration at the Lee Kuan Yew School of Public Policy (LKYSPP). 

To further deepen their philanthropic giving in Singapore, Ravina and her husband Sanjay set up a Donor-Advised Fund with CFS in 2020. This supports smaller charities including the Reading Odyssey programme by Shine Children and Youth Services, which focuses on children from disadvantaged backgrounds with learning difficulties, the Kids Excel enrichment programme run by Catch them Young at partner schools which targets disengaged primary students from needy families, and the Family Justice Support Scheme by Law Society Pro bono Services. 

“Education and healthcare are our primary focus because of the ripple effect,” says Ravina. Thanks to the Foundation’s assistance, a student who lost his father to brain cancer when he was just five years old was able to go to medical school and become a doctor. The Foundation is also working with one of the six LKYSPP alumni that it has helped to date on an adolescent health initiative in Nigeria. Aside from this, Ravina finds time to contribute to Beyond Social Services, a charity that helps youths from less privileged backgrounds break away from the poverty cycle.  

For Ravina, giving back is an integral part of her family legacy. Growing up in Hong Kong, she saw how her mum volunteered at various charities such as the Duchess of Kent Children’s Hospital.  Her mum was also an active member of the Hong Kong Indian Women’s Club, where she did welfare work for the elderly and orphans. Ravina, who now lives in Singapore, is building on that tradition and taking the family’s philanthropy to new heights. 

Begin your own journey of giving with CFS. Read more about #MyGivingJourney series here.

This article was written by Sunita Sue Leng, a former financial analyst and journalist, who believes that the written word can be a force for good. She hopes to someday write something worth plagiarising.

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Trending Stories

Scroll to Top