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Plain-English notes on money in Singapore.
Practical guides on protection, CPF, retirement and investing — written to be genuinely useful whether or not we ever work together. No product pitches, no jargon, and the inconvenient parts left in.
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ILPs in Singapore, reconsidered: the behavioural case most people miss
Today's plans look nothing like the ones people argue about. What changed, what the behaviour gap actually costs, and why returns alone are the wrong test.
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Key man insurance in Singapore: what it covers, what it costs, and how IRAS treats it
Who to insure, three ways to size the cover, the tax trap most owners miss, and why key man cover is not the same as a buy-sell arrangement.
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SRS vs CPF top-up: which gives you better tax savings in Singapore?
Identical relief, opposite products. Caps, lock-up, the 50% withdrawal rule, and the sequencing most people get backwards.
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CPF LIFE, explained without the jargon
How your payouts work, the three plans, the retirement sums, and when a top-up genuinely makes sense.
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How much life insurance do you actually need?
A simple way to size your cover around income, debt, and the people who depend on you — without over-buying.
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Just got your BTO keys? Review these three things.
Before the renovation loan and new commitments pile up, a quick checklist to keep your finances steady.
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Endowment plan vs investing separately in Singapore: an honest comparison
What's actually guaranteed, how to read a benefit illustration in four steps, and why the answer is usually both rather than either.
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Are ILPs worth it in Singapore? An honest look at the costs
The full charge stack, why costs rise with age, when an ILP genuinely fits — and nine questions to ask before you sign anything.
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How much do you need to retire in Singapore?
A four-step method for building your own number instead of borrowing someone else's — expenses, the CPF LIFE floor, inflation, and a worked example.
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CPF nomination vs will in Singapore: what most people get wrong
Your CPF doesn't pass under your will. What each document controls, why marriage revokes one but not the other, and a one-evening checklist.
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Insurance planning in Singapore: what you need, and in what order
The priority order for working professionals — why hospitalisation comes first, why disability income is the most under-bought cover here, and what to skip.
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MediShield Life vs Integrated Shield Plan: what's the actual difference?
Deductibles, co-insurance, what riders do since the 2018 reforms, what MediSave can't pay for, and how to pick a tier you can still afford at 75.
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How much critical illness coverage do you actually need in Singapore?
Why your Shield plan doesn't cover this, how to build the number from the bottom up, and the three things to check on your existing policies this week.
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Term life vs whole life insurance in Singapore: which one actually makes sense?
The real cost gap, what cash value is genuinely worth, and a four-question framework — including the honest question about whether you'd invest the difference.