Financial Insights & Retirement Planning Blog

Ask someone in their late twenties what she earns and she'll tell you within a few hundred dollars. Ask how much critical illness coverage she actually needs, and most people have never once worked out the answer. Here's the number, from research into Singapore's protection gap: the average economically active adult needs about $316,603 in critical illness coverage. The average adult holds $59,776. That's less than a fifth of what's needed, and it's the kind of gap that stays

It's a Tuesday evening, and the dinner table conversation is about school fees, maybe planning the December holiday. The everyday math of running a family. Critical illness insurance doesn't come up, because why would it? Nothing's wrong. That's exactly the gap a 2026 Singlife study puts a number on. The average shortfall between what a critical illness actually costs a family and what their coverage pays out comes to around $170,000. Not because people don't have insurance.

Most Singaporeans grow up believing CPF will take care of them in retirement. But for many retirees, the reality feels like a trap:...

If you're in your 40s or 50s, you've likely heard this before: “You're overqualified,” or worse, “We’re looking for someone more...

If you feel "late to the game," take heart: almost 1 in 2 Singaporeans are in the same boat. The OCBC Financial Wellness Index 2024 found...

Thinking of applying for BTO with your partner? You're about to make one of Singapore's biggest financial commitments – a 3-5 year...

The FIRE dream isn’t just for high-income earners. But you’ll need a mindset shift - and a game plan. The idea of Financial...

Short answer: Yes - but only if you understand the numbers, build a bullet-proof plan, and protect that plan from nasty surprises. Below...

You’re saving diligently. You’ve got CPF. You even bought some insurance and investments. So you’re good for retirement… right? Maybe...

Is Homeownership Still Possible for Young Singaporeans? Let’s be honest—buying your first home in Singapore feels more intimidating than...

"Why am I still broke?" You’ve worked hard, landed your job, maybe even started building a family. Your income is way better than during...

Why Insurance Matters in Your 30s Your 30s are a turning point in life—your career is stabilizing, financial responsibilities are...

In Singapore, we’re surrounded by tempting opportunities for instant gratification—whether it's the latest tech gadget, a weekend...

Remember when the "Singapore Dream" meant having the 5C’s - Cash, Car, Credit Card, Condo and Country Club Membership? With housing and...