If you have yet to make a CPF nomination, here's what will happen to your CPF savings upon your death.

Your CPF savings will be transferred to the Public Trustee's Office (PTO) for distribution to your family member(s) in accordance with the intestacy laws or the Inheritance Certificate (for Muslims). For more information about how they will be distributed by the Public Trustee, please refer to:
https://www.mlaw.gov.sg/content/pto/en/deceased-cpf-estate-monies/information-for-next-of-kin-cpf-monies.html

You should make a CPF nomination if you want your CPF savings to be distributed according to your wishes. There are no costs involved in making a nomination. Find out how to do so here:
https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme