Savings & Investments
Savings and investment plans in Singapore
A home, your children's education, or the retirement you actually want. We start with the goal and the timeline, and only then talk about which plan fits, not the other way round.
What's available
Ways to save and invest with a purpose attached
Investment plans
Also known as Investment-Linked Plans (ILPs)
Combines life insurance with fund investing in one policy. Your premiums are allocated into investment funds you choose, so the plan can grow your wealth over time while carrying an insurance component. Returns aren't guaranteed and depend on how the funds perform.
Savings plans
Commonly structured as Endowment Plans
Save a fixed amount regularly over a set period, aimed at a specific date, a wedding, a home, a milestone birthday. The structure itself is the discipline: money committed to a term is money that's harder to spend on something else.
Retirement and annuity plans
Built specifically to accumulate savings for the years after you stop working, often paying out as a regular income once you retire rather than a single lump sum.
Education endowment plans
Designed for parents saving toward a child's education, locally or overseas. Starting when a child is young gives the plan more time to grow before the fees are due.
Common questions
Savings and investing, answered plainly
At what age should I start saving and investing?
The earlier you start, the more time your money has to grow through compounding. Even starting with a small amount can make a meaningful difference over the long term.
How much should I put into savings and investments each month?
A common starting point is to set aside around 20% of your income for savings and investments, after covering essential expenses and building an emergency fund. The exact split can then be adjusted based on your goals, time horizon and financial commitments.
Should I save or invest for my financial goals?
For goals within the next few years, prioritise accessibility and capital stability. For longer-term goals such as retirement or wealth accumulation, investing can provide greater growth potential, although your money will be exposed to market risk.
How long should I stay invested for?
Investing generally works best with a long-term mindset. Staying invested for longer gives your money more time to compound and can help smooth out short-term market fluctuations. Your investment period should still match your financial goals and when you expect to need the funds.
Next step
Let's map the goal before the product
Tell me what you're saving toward and by when. We'll work backward from there.
Book a free consultation →