Is your investment actually worth it?
Upload your insurance plan, benefit illustration, or investment proposal. We'll show you where it sits on the WealthGraphd — against capital-guaranteed savings, CPF, T-bills, and fully market-linked plans, not just other insurance products.
Where does your investment actually sit?
Compared against other asset classes — CPF, T-bills, government bonds, the STI — not just other insurance products.
Three steps to a second opinion.
No account, no sales call to book — just a straight read on where your plan actually sits.
Upload your document
Drop in your Benefit Illustration, Product Highlights Sheet, or investment proposal — PDF, PNG or JPG. Nothing is saved to an account.
We plot it on the WealthGraphd
Guaranteed value, illustrated value, fees and lock-ins — read out and checked against real benchmarks like CPF, SSB and T-bills, not insurer marketing.
Get your WealthGraphd Score
A transparent, five-factor breakdown you can read yourself — and, if you want one, an optional independent adviser second opinion.
The WealthGraphd Score.
A worked example — upload your own document to see your plan's real breakdown.
WealthGraphd's Educational Comparison Score (not a regulated financial rating). Every sub-score shows exactly how it was calculated from your document's own figures — never invented.
Head-to-head reads people search for.
ILP vs Singapore Savings Bonds
Market-linked upside against a government-guaranteed floor.
ILP vs Endowment Plan
Two very different "invest through insurance" structures.
ILP vs ETF
Insurance wrapper vs buying the market directly.
Endowment vs Fixed Deposit
Bank guarantee vs insurer guarantee, side by side.
Endowment vs SSB
Guaranteed bank-style rate against a government bond.
Endowment vs T-bills
Multi-year lock-in against a fortnightly-reset yield.
Run your own numbers.
Guaranteed vs Projected Gap Calculator
See exactly how much of an illustration is a promise, and how much is a guess.
ILP vs SSB Calculator
Plug in both rates and see the break-even return you need.
Policy Surrender Value Impact Calculator
What breaking a policy early actually costs you.
Benefit Illustration Checklist
The eleven numbers to find before you sign anything.
Start with what you already have.
Already holding a policy or illustration? Upload it. Just shopping around? Browse the chart by product type.
Browse products
Filter by provider or by how far along the chart a product sits — from capital-guaranteed to fully market-linked.
Upload & compare
Drop the Product Highlights Sheet or Benefit Illustration your FA sent you — we'll place it on the chart next to what you're considering.
Drop a fact sheet PDF, or
Products people compare most
Independently placed on the chart from public fact sheets — not ranked, not recommended.
Three steps, no sales call.
Find or upload
Search our list, or drop in the fact sheet you already have. Either way takes under a minute.
See where it sits
We place it on the same chart, from capital-guaranteed through to fully market-linked — plainly labelled.
Compare confidently
Line it up against government rates, bank deposits, or another product you're weighing — before you sign anything.
This tool places products, it doesn't recommend them. Positions are drawn from public fact sheets and illustrative return ranges, not verified against every insurer's current filing — treat figures as a starting point for your own reading, not advice. WealthGraphd isn't a financial adviser and doesn't hold a licence to recommend one product over another; for that, speak to a licensed FA or use MAS's FA register to check one is licensed.
Explore the whole site
Every product type, every guide, every free tool -- no signup, ever.
Products
Capital Guaranteed Savings Plans Guaranteed + Bonus Endowment Plans Participating (Par) Fund Policies Investment-Linked Policies (ILPs) Singapore Savings Bonds Treasury Bills & SGS Fixed Deposits CPF RatesGet a human second opinion.
WealthGraphd doesn't sell products or give financial advice -- we just help you see where something sits before you talk to someone who can. If you want it checked by a person, leave your details and we'll pass your enquiry to an MAS-licensed financial adviser in Singapore who isn't tied to any single insurer.
WealthGraphd is an informational and educational tool. It does not provide financial advice under the Financial Advisers Act, and the WealthGraphd Score is not a rating issued or endorsed by MAS or any regulator. Nothing here is a recommendation to buy, sell, surrender or hold any specific product -- for advice tailored to your circumstances, speak to an MAS-licensed financial adviser.
Before you ask.
Is WealthGraphd a financial adviser?
No. We're an independent educational tool -- we don't hold a Financial Advisers Act licence, don't sell insurance or investment products, and don't earn commission on any product we show. If you want licensed advice, the optional second-opinion referral connects you with an MAS-licensed adviser.
Do you make up figures if my document is unclear?
No. If we can't confidently read a figure from your upload, we leave that field blank and editable rather than guessing -- you always see exactly which numbers came from your document and which are reference benchmarks.
Is my document stored anywhere?
No account is required, and document parsing happens in your browser. See the Privacy Policy for full detail on what, if anything, is retained when you submit an enquiry.
What is the WealthGraphd Score, exactly?
A transparent, five-factor educational comparison score (capital guarantee, return potential, liquidity and term locks, fee transparency, risk and volatility) -- weighted and shown with a full calculation breakdown. It is not a regulated financial rating.
Does the second opinion cost anything?
The adviser referral is free with no obligation. A paid deep-dive PDF report is planned as an optional add-on -- if you're on this page before that launches, the free score and adviser referral are fully available now.