Singapore Financial Planning Guides
Plain-English explainers on CPF, HDB, SRS, budgeting, insurance, and savings, each paired with the calculator you need to run your own numbers.
My Legacy Is Deleting Stored Records on 4 January 2027: What to Save and Where
My Legacy is not shutting down, but the records you typed into it are. Download them, then put each one somewhere that will still exist when your executor needs it.
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Allianz Is Buying HSBC Life Singapore: What Happens to Your Policy
Your policy is a contract, and an owner change does not rewrite it. The premium question is real, but the answer has almost nothing to do with who owns the insurer.
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How to Budget Your Salary in Singapore After Seedly
A useful budget starts from spendable income, not gross salary. Build a Singapore-aware workflow that accounts for CPF, bills, family support, emergency funds, and long-term wealth.
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Should You Surrender Your ILP? A Sunk-Cost Framework
If you feel like another ILP victim, start with the math: the money you have lost is gone either way. The real question is which path grows faster from today.
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What Is a Good Net Worth by Age in Singapore?
Singapore forces a ~37% savings rate through CPF, so imported savings-by-age rules miss the mark. Here are the numbers behind 100k by 30 and beyond.
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CPF FRS, BRS & ERS Explained (2026)
CPF sets three retirement sum tiers: BRS, FRS, and ERS. These determine how much monthly income CPF LIFE pays you from age 65. Here's what each tier means in practice.
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SRS Explained: Tax Relief, Contribution Caps & Year-End Deadline
SRS is one of the few tax reliefs in Singapore fully within your control, but the relief only applies to contributions credited by 31 December each year.
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How Much Do You Need to Retire in Singapore?
Your Singapore retirement number is rarely just "25x your annual expenses". CPF LIFE covers a base income first, so the real question is whether your portfolio can bridge the gap.
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