How much will you really have each month when you retire?
Bring your CPF statement and your old policies. We put them on one page and show you the monthly figure, and the gap if there is one, before anyone talks about a product.
Book a free reviewFree, no obligation. In person or by video call, in English or Mandarin.
Can you say what you'll have each month at 65?
Most people we meet have done the saving. What's missing is the sum: CPF, cash and the policies bought from different agents over the years, added up and set against what you spend.
What you'll have each month, and any gap
Your monthly retirement figure
What your CPF, savings and policies can pay you each month for the life you describe, and the shortfall, if any.
Your CPF options
Which retirement sum and CPF LIFE plan fit your goal, and ways to add to your payouts.
One summary of your policies
What you're covered for, what you pay, and where two plans overlap.
The age 55 decision: which retirement sum, and how much to lock away
At 55 your Special Account closes and your Retirement Account is set up. The sum you leave there sets your CPF LIFE payout from 65.
- What happens to your CPF at 55, at 65 and up to 70
- Weigh a higher payout against cash you can still reach
- Choose your sum at 55 using your own numbers
Your Special Account closes. Its savings move to your Retirement Account, up to the Full Retirement Sum. Anything above that goes to your Ordinary Account.
Your CPF LIFE monthly payouts can start, for life, on the plan you choose.
You can start your payouts later, up to age 70. Each year you wait raises your monthly payout.
Find out what your old policies cover, and where they overlap
Bring whatever policy documents you have, including plans you bought years ago and no longer remember well. You leave with all of them on one list.
- Every plan with what it covers and what it costs you a year
- Two plans that pay for the same thing, flagged
- When each premium stops, so you know what's still due after 65
Example: five policies, one list
- Hospital cash plan, bought 2011Cash for each day in hospital$420 a yearUntil 75
- Critical illness planA lump sum on diagnosis$1,560 a yearStops at 65
- Whole life planDeath and total disability$2,400 a yearPaid up at 60
- Hospital cash plan, bought 2018Cash for each day in hospital$380 a yearUntil 80
- Endowment planA lump sum at 62$3,000 a yearStops at 62
Will your savings last if you live to 90?
The review plans past 65, to 90 and beyond, and counts what a long illness could still cost you.
- How many years your savings need to cover after CPF LIFE starts
- What MediShield Life and CareShield Life or ElderShield already pay
- What a long hospital stay or care at home could still cost
$240,000
in total over 25 years after 65, before inflation and interest
Know what you need, list what you have, then close the gap
One sitting with a Financial Consultant. You bring the papers, we do the adding up.
- Start with how you want to live and what a month costs you
- Bring what you have; a CPF statement alone is enough to start
- See the gap, then decide. The report is yours either way
No product talk until you've seen your numbers
If you want help closing the gap, we arrange a second meeting. If not, that's the end of it.
- Free, with nothing to buy
- In person or by video call, in English or Mandarin
- Bring your spouse; most couples decide this together
"It accurately shows me how much CPF monies I am able to have when I reach retirement age, taking into account my mortgage payment."
"It gave me a much clearer idea how much my CPF can contribute to my retirement income."
Find out what you'll really have each month
Book a free review. Bring your CPF statement and any policy documents you have.
Book a free review