Savings and insurance product types, explained
How each product type works: what is contractual, what is only projected, and what you give up in flexibility. Insurance-style plans are listed next to the government and bank benchmarks they are usually compared with.
Insurance-style plans
Capital Guaranteed Savings Plans Singapore
How capital guaranteed savings plans work in Singapore — what 'guaranteed' covers, typical returns vs CPF and SSB, and the risks illustrations skip.
ProductGuaranteed + Bonus Endowment Plans Singapore
Guaranteed-plus-bonus endowment plans explained -- what part of the return is contractual, what's a projection, and how big that gap tends to be.
ProductParticipating (Par) Fund Policies Singapore
How participating whole life policies work -- the par fund mechanism, guaranteed vs non-guaranteed values, and where they sit on the risk spectrum.
ProductILP Singapore: Risks & Real Returns
How ILPs work in Singapore -- unit-linked sub-funds, zero capital guarantee, fee drag, and how illustrated returns compare with real markets.
Benchmarks to compare against
Singapore Savings Bonds (SSB) Explained
How Singapore Savings Bonds work -- step-up coupons, full principal guarantee, monthly redemption with no penalty, and how they compare to CPF and T-bills.
ProductSingapore T-Bills & SGS Explained
How Singapore T-bills and SGS bonds work -- auction mechanics, tenors, yield ranges, and how they compare with SSB and fixed deposits.
ProductFixed Deposits (FD) Singapore Explained
How Singapore bank fixed deposits work -- promotional vs board rates, SDIC limits, early withdrawal penalties, and how FDs compare with SSB.
ProductCPF OA, SA, MediSave & RA Rates Explained
How CPF OA, SA, MediSave and RA rates work: the 2.5%/4% floor rates, extra interest tiers, and how CPF compares with SSB as safe money.