Savings Plans Singapore
saving.com.sg is the English-language guide to savings plans in Singapore: participating and non-participating endowments, annuities and retirement income plans, how they sit alongside CPF and SRS, how they compare with T-bills, Singapore Savings Bonds and fixed deposits, and how to read a benefit illustration line by line. It is written for Singapore residents, expatriates and new PRs, and for the advisers who work with them.
The site follows one order: understand the contract first — what is guaranteed, what is not, what it costs to leave early and which CPF or SRS rules follow the money — and read the illustrated numbers second. Every figure carries a unit, a currency, a date and a source, and the sources page lists them all.
What this site does not do: it does not recommend or rank products or insurers; it does not publish any insurer's rates, payout percentages or break-even years as facts; and it does not promise returns, bonuses, approvals or tax outcomes. It is not an insurer, a bank or a tax adviser.
Division of labour within the network: saving.sg carries the Chinese-language depth on savings insurance, including education funds, single versus regular premium, premium financing and surrender; savings.sg covers cash management for new residents — buying T-bills and SSB, deposits, money-market funds and multi-currency accounts; ilp.com.sg covers investment-linked policies, including their CPF and SRS use; wholelife.com.sg covers whole life and legacy planning; xiaopoxian.com.sg explains Singapore's insurance regulatory system, nominations and claims. The Chinese pages on this site are summaries of the English pages, not a second site.
Operator
This site is operated by the Xiaopoxian content team to provide general education, comparison and reference material, and to register enquiries. It is not an insurer, bank, licensed financial adviser or insurance broker; its content has not been reviewed, approved or endorsed by the Monetary Authority of Singapore (MAS). Personalised advice, official quotations, account opening and application services are provided by the actual licensed or exempt institutions and their appointed representatives.
Content lead
Stella 武晓旭 · Stella Wu Xiaoxu
Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
Practising in Singapore since 2017 (AXA Singapore consultant and manager), with Great Eastern Financial Advisers since 2021, serving Singapore and Greater-China cross-border high-net-worth families and business owners while building an adviser team.
| Credentials and education | CFP® professional STEP Associate IFPAS High Net Worth Adviser (2022) NUS BSc (Hons) Mathematics & Statistics NUS MSc Quantitative Finance Passed CFA Level I |
|---|---|
| Industry recognition | 2024 MDRT Top of the Table (TOT) 2024 IDA Golden Dragon Award 2026 GEFA Top Manager — Winner |
| Scope | Family protection and jumbo life cover, long-term savings and legacy arrangements, premium financing and liquidity analysis, interplay between insurance and trusts/family offices; working alongside private banks, lawyers, tax and trust professionals. |
Licensing and representative status are as recorded in the MAS Register of Representatives and by the principal firm. This site is not the official website of any licensed firm, and its content has not been reviewed by that firm or by MAS.
Editorial principles
- We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
- We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
- We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
- Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
- If you spot an error or outdated figure, tell us via the contact page; corrections are dated.