Guides to Singapore savings and insurance plans
Plain-English explainers on what "guaranteed" really means, how to read a benefit illustration, and how insurance-style plans differ from Singapore Savings Bonds, CPF and fixed deposits. Educational only, not financial advice.
What "Guaranteed" Really Means in a Savings Plan
The word 'guaranteed' on an insurance illustration has a specific, narrow meaning. Here's what it does and doesn't cover, and why it matters.
GuideCPF Special Account vs SSB
CPF Special Account and Singapore Savings Bonds are both government-guaranteed but solve different problems — here’s which should get your safe money.
GuideILP vs Endowment Plan Singapore
Investment-linked policies and endowment plans solve different problems — a structural comparison of risk, fees, guarantees and typical use cases.
GuideIs an ILP Risky? What the Numbers Mean
A clear-eyed look at ILP risk in Singapore — what 'no guarantee' really means for your account value, and how to size that against your own timeline.
GuideHow to Read a Benefit Illustration Singapore
A plain-English walkthrough of a Singapore benefit illustration -- which numbers are guaranteed, which are projections, and what to check before you sign.
GuideSSB vs Fixed Deposits vs T-Bills Singapore
A direct comparison of SSB, fixed deposits and T-bills for parking safe money in Singapore — rates, liquidity, guarantees and which fits your timeline.