Free tool

ILP vs SSB Calculator

Plug in your ILP's projected return and fees against the current Singapore Savings Bond rate. See exactly what your ILP needs to clear -- after fees -- before the extra risk is worth taking.

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Your numbers

Lump sum / total invested

Years held

ILP sub-fund expected return (% p.a., before fees) Use your fund fact sheet's own projection -- don't guess.

ILP total annual charges (% p.a.) Fund management fee plus policy/insurance charges combined.

SSB average return (% p.a., 10-yr) Prefilled with a recent published 10-year SSB average -- check the current tranche on the SSB page.

Break-even return needed

--%

is what your ILP needs to earn before fees just to match the SSB.

ILP net return (after fees)--

ILP value after 10 years--

SSB value after 10 years--

Difference--

Assumes constant returns and fees for simplicity -- real ILP sub-fund performance varies year to year. Not financial advice.

How to use this

Your ILP's fund fact sheet or benefit illustration should state an expected or historical fund return, and your policy schedule shows the total annual charges. Enter both against the current SSB rate. The "break-even return needed" is the raw fund performance your ILP must earn -- before any fees are deducted -- just to end up level with a guaranteed SSB over the same period. Anything below that line means you took on market risk for less than a government-guaranteed alternative would have paid.

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