About WealthKaki

Built and maintained by Gokul

Builds WealthKaki calculators and maintains the Singapore CPF, HDB, SRS, tax, and insurance assumptions used across the site.

I built WealthKaki after getting frustrated with how hard it was to inspect Singapore money decisions across CPF, HDB, SRS, tax, insurance, and long-term investing in one place. The goal is practical financial education: transparent calculators, plain-English assumptions, and links back to official sources where the rules come from.

You can find my professional profile on LinkedIn.

The story behind WealthKaki

One of my costliest investment mistakes came from following advice that sounded very reasonable: do not trust the internet, trust the experts.

I had always been interested in personal finance, but at that stage I wanted to focus more on my career. Letting experts take care of my financial planning sounded efficient. I allocated capital into retirement-linked investment products in two countries. Both came with lock-in periods. I was hesitant, but I convinced myself that this was probably the cost of steady long-term returns.

After a couple of years of contributing, I reviewed the statements properly. That was when I noticed the fees were much higher than I expected. In one case, the actual charges were almost twice what I had understood from the contract.

By then, I had started learning more about financial products, commissions, fund fees, advisor incentives, and exit terms. The uncomfortable realization was simple: I had outsourced a decision I should have understood myself.

This is not a claim that all financial advisors are bad. Good advisors exist. But blindly trusting anyone with your money, without understanding the product, fee structure, incentives, and exit conditions, can be expensive.

Eventually I cancelled both investments. For one, I cited the fee discrepancy. For the other, I had to pay an exit fee. It was not pleasant, but it changed how I handle money. I now keep my own investments simpler, lower-cost, and easier to understand.

I built WealthKaki to track investments, run simulations, and make financial decisions easier to inspect before acting on them. The biggest lesson behind the product is the one I wish I had learned earlier: trust experts, but do not outsource understanding.