Succession Wealth Management

Financial Health
Check-Up

For the sandwiched generation — juggling career, home, family, and future all at once. See where you really stand.

1 · Profile
2 · Income & CPF
3 · Housing
4 · Protection
5 · Family
6 · Results
Your Life Stage
Tell us about yourself
Employed
Self-employed
Single
Married
Divorced
None
Kids only
Parents only
Kids + Parents
Staying with parents
Renting
Paying home loan
Fully paid
Your Income
Monthly gross salary (before CPF)
$
Your full salary before any CPF deduction.
$
Your CPF
CPF balances & monthly contributions
$
Used for housing, investments, and limited insurance. Check Singpass app.
$
Earns 4% p.a. and is ring-fenced for retirement. Aim for Full Retirement Sum.
$
For hospitalisation, approved insurance premiums, and MediShield Life. Target: Basic Healthcare Sum ($71,500 in 2025).
$
Self-employed only pay MediSave contributions. Voluntary SA top-ups attract tax relief.
CPF Planning Targets
Where should your CPF be heading?
Monthly Commitments & Savings Goals
Savings, investments & outgoings
$
Monthly transfer into savings, investments, endowments, or unit trusts. Enter 0 if none.
$
Your current balance across bank savings, stocks, unit trusts, endowments. Not CPF.
% p.a.
Bank savings: ~2–3% · Endowments / unit trusts: ~4–6% · Stocks / ILPs: ~6–8%
$
This is the total pot you want saved by retirement — not monthly income. A common target is $1–2M for a comfortable Singapore retirement.
$
$
$
You Are Currently Renting
Rental details
$
Yes, planning to
Not yet / No
$
$
Min. 5% cash + up to 20% CPF OA for HDB / bank loans.
Your Home Loan
Loan details
$
$
$
HDB loan (2.6%)
Bank loan (~1.3–1.8%)
% p.a.
April 2026: Fixed rates ~1.3–1.8% p.a. · Floating (SORA-linked) ~1.0–1.6% p.a. Check your latest loan statement for your exact rate.
$
Check your CPF statement under "Housing Withdrawal".
Fully Paid Property
Your property
$
A fully paid home is a major asset — we include it in your net worth picture.
Staying With Parents
Are you planning to buy a home?
Yes, planning to buy
Not planning yet
$
HDB BTO: ~$300–600k · Resale HDB: ~$500k–900k · Condo: $900k+
$
You need at least 5% cash + up to 20% CPF OA. For a $500k flat, that's $25k cash minimum.
You have zero housing cost right now — a real advantage. Channel what you save on rent into your emergency fund, investments, and CPF top-ups while you can.
Insurance & Protection
What coverage do you currently have?
$
Add up all your term, whole life, and ILP death benefits.
$
Covers major illnesses like cancer, stroke, heart attack. Separate from hospitalisation.
Yes
No
Yes
No
Children & Education
Children's expenses
$
Include infant care, childcare, enrichment classes, tuition.
$
Local uni: ~$40–60k. Overseas: ~$150–300k. Set your own target.
$
Planning for Children
Are you thinking of having children?
Not planning
Planning 1
Planning 2
Planning 3+
Parent Support
Monthly support for elderly parents
$
Emergency Fund
Your emergency buffer
$
Money you can access within 1–2 days. Not investments, not CPF.