# saving.com.sg — Savings Plans Singapore

> English-first guide to Singapore savings plans: endowments, annuities, retirement income, CPF and SRS rules, T-bill/SSB/FD comparisons, benefit illustrations.

- Operator: 小坡险助手 / Xiaopoxian Advisory Desk
- 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
- Contact: WhatsApp +6580670032 · Email wuxiaoxu1020@gmail.com · WeChat sgwealth888
- Updated: 2026-10-23

## Start here: how savings plans work
- [Savings plans in Singapore: how endowments, annuities and retirement income plans work](/overview/): Singapore savings plans explained: how endowments, annuities and retirement income plans work, what is guaranteed, the risks, and where CPF and SRS fit.
- [How endowment plans work: participating funds, bonuses, guarantees and capital-guaranteed designs](/endowment-plans/): How Singapore endowments work: par vs non-par, reversionary, terminal and cash bonuses, smoothing, the 1/9 shareholder limit and capital-guaranteed designs.
- [Annuities in Singapore: immediate vs deferred, life vs term, guaranteed vs non-guaranteed payouts](/annuities/): Annuities in Singapore: immediate vs deferred, life vs term, participating payouts split into guaranteed and non-guaranteed parts, no loans, longevity risk.
- [Retirement income plans: accumulation, payout phase and sizing an income gap](/retirement-income-plans/): How private retirement income plans work in Singapore: accumulation and payout phases, payout options, and sizing an income gap against CPF LIFE estimates.

## CPF and SRS
- [CPF and savings plans: retirement sums, CPFIS rules and the age-55 and age-65 milestones](/cpf-and-savings-plans/): How CPF interacts with endowments and annuities: 2026 retirement sums, interest floors, CPFIS rules for insurance, the SA closure at 55 and withdrawals.
- [Using SRS for endowments and annuities: eligibility rules, withdrawal tax and the life-annuity exception](/srs-and-insurance/): Buying endowments and annuities with SRS: single premium only, 3x life-cover cap, no trust nomination, 50% taxable withdrawals and the life-annuity rule.
- [CPF LIFE vs private annuities: guarantees, payouts, bequests and flexibility](/cpf-life-vs-private-annuities/): CPF LIFE vs private annuities: who guarantees payouts, start age, escalation, bequests, liquidity, currency, tax and protection, and how to layer the two.

## Compare the alternatives
- [Endowments vs T-bills vs Singapore Savings Bonds vs fixed deposits vs CPF top-ups](/compare/): Endowments compared with T-bills, Singapore Savings Bonds, fixed deposits and CPF top-ups on guarantees, liquidity, early-exit cost, tax and protection.
- [How to compare an endowment's return with T-bills, SSB and fixed deposits on a like-for-like basis](/comparing-returns/): How to compare an endowment's illustrated return with T-bill, SSB and deposit rates: match the horizon, isolate guaranteed values, price liquidity and tax.

## Read the documents
- [How to read a benefit illustration: columns, illustration rates, deductions and distribution cost](/how-to-read-a-benefit-illustration/): A line-by-line guide to Singapore benefit illustrations: guaranteed and non-guaranteed columns, the 4.25%/3.00% rates, deductions and distribution cost.
- [Before you sign: a 15-point checklist for endowment and annuity illustrations](/benefit-illustration-checklist/): Fifteen checks before signing an endowment or annuity: guaranteed values, break-even years, illustration rates, deductions, liquidity, SRS/CPF rules.

## Plan and apply
- [Who savings plans suit: six retirement and savings scenarios](/scenarios/): Six hypothetical scenarios showing where endowments, annuities, CPF top-ups, SRS, T-bills or SSB may fit, with goals, structure, risks and professionals.
- [Savings plans for foreigners and new PRs: SRS caps, USD plans, currency risk and CRS](/international-residents/): Savings plans for foreigners and new PRs in Singapore: the S$35,700 SRS cap, USD plans, currency risk, CPF LIFE eligibility and CRS reporting.
- [How to buy an endowment or annuity in Singapore: from needs analysis to annual review](/process/): How to buy an endowment or annuity: needs analysis, comparing illustrations, cash, SRS or CPFIS funding, checks, nomination, free-look and annual review.

## Reference
- [Savings plans in Singapore: frequently asked questions](/faq/): Answers to common questions on Singapore endowments, annuities, CPF and SRS rules, T-bill and SSB comparisons, benefit illustrations, tax and surrender.
- [Savings plan glossary: English–Chinese terms for endowments, annuities, CPF and SRS](/glossary/): English–Chinese definitions for Singapore savings plans: endowment and annuity terms, bonuses, illustration terms, CPF, SRS, tax and protection schemes.
- [Sources and official references](/sources/): The official documents behind this site — MoneySense, MAS, LIA, CPF Board, MOF, IRAS, SDIC, SingStat and banks — with publisher, title, date and link.

## 中文摘要版
- [新加坡年金：即期与延期、终身与定期、保证与非保证派息](/zh/annuities/): 新加坡年金（annuity）怎么运作：即期与延期、终身与定期，分红年金的派息分为保证与非保证两部分，年金不能做保单贷款，以及它如何应对长寿风险。
- [签约之前：储蓄型保单与年金利益说明书的 15 项核对清单](/zh/benefit-illustration-checklist/): 签储蓄型保单或年金前的 15 项核对：保证价值、回本年份、演示利率、扣减影响、流动性，以及 SRS 与公积金 CPF 的资金规则。
- [储蓄型保单、国库券、新加坡储蓄债券、定存与 CPF 填补对比](/zh/compare/): 储蓄型保单与国库券（T-bill）、新加坡储蓄债券（SSB）、定存及 CPF 填补的对比：保证、流动性、提前退出成本、税务与保障机制。
- [如何把储蓄型保单的回报与国库券、SSB 和定存放在同一口径下比较](/zh/comparing-returns/): 如何把储蓄型保单的演示回报与国库券、SSB 和定存利率比较：对齐期限，单独计算保证值，再把流动性与税务算进去。
- [公积金 CPF 与储蓄计划：退休存款额、CPFIS 规则与 55 岁、65 岁两个节点](/zh/cpf-and-savings-plans/): CPF 与储蓄型保单、年金如何互动：2026 年退休存款额、利率下限、用 CPFIS 购买保险的规则、55 岁关闭特别账户，以及 55 岁与 65 岁的提取规则。
- [CPF LIFE 与私人年金：保证、派息、遗赠与灵活性](/zh/cpf-life-vs-private-annuities/): CPF LIFE 与私人年金对比：派息由谁担保、起领年龄、递增、遗赠、流动性、币种、税务与保障机制，以及如何把两者分层搭配。
- [储蓄型保单如何运作：分红基金、红利、保证部分与保本设计](/zh/endowment-plans/): 新加坡储蓄型保单（endowment）怎么运作：分红与不分红的区别，复归红利、终期红利与现金红利，红利平滑，股东分配 1/9 上限，以及“保本”储蓄计划到底保证什么。
- [新加坡储蓄计划常见问题（中文）](/zh/faq/): 用中文回答新加坡储蓄险的常见问题：储蓄型保单与定存的区别、分红与保证利益、4.25% 与 3.00% 演示利率的含义、年金与 CPF LIFE、用 SRS 或公积金 CPF 买保单的规则、与国库券和储蓄债券如何比较、提前退保的代价、利息与提取的税务处理，以及 PPF 保单持有人保障计划的上限。
- [储蓄方案术语表：储蓄型保单、年金、CPF 与 SRS 中英术语](/zh/glossary/): 新加坡储蓄方案中英术语释义：储蓄型保单与年金术语、红利、利益说明书用语、公积金 CPF、SRS、税务与保障计划。
- [利益说明书怎么读：栏目、演示利率、扣减影响与分销成本](/zh/how-to-read-a-benefit-illustration/): 逐栏读懂新加坡保单利益说明书：保证与非保证栏目、4.25%/3.00% 演示利率的含义、扣减影响（Effect of Deductions）与总分销成本。
- [外籍人士与新永久居民的储蓄方案：SRS 上限、美元计划、汇率风险与 CRS](/zh/international-residents/): 外籍人士与新永久居民在新加坡买储蓄方案要注意什么：S$35,700 的 SRS 供款上限、美元计划、汇率风险、CPF LIFE 资格与 CRS 申报。
- [新加坡储蓄计划中文摘要：储蓄险、年金与退休收入计划怎么运作](/zh/): 用中文概括新加坡储蓄计划：储蓄型保单（endowment）、年金与退休收入计划的结构，合同中的保证与非保证利益，4.25% 与 3.00% 演示利率的含义，提前退保与汇率风险，PPF 保障上限，以及它们与公积金 CPF、CPF LIFE、SRS、国库券、储蓄债券和定存的关系与比较方法。
- [在新加坡如何购买储蓄型保单或年金：从需求分析到年度检视](/zh/process/): 购买储蓄型保单或年金的步骤：需求分析、比较利益说明书、以现金、SRS 或 CPFIS 付款、投保审核、受益人提名、冷静期与年度检视。
- [退休收入计划：积累期、派发期，以及如何测算收入缺口](/zh/retirement-income-plans/): 新加坡私人退休收入计划怎么运作：积累期与派发期、各种派息选项，以及如何对照 CPF LIFE 估算值测算退休后的收入缺口。
- [储蓄方案适合谁：六个退休与储蓄场景](/zh/scenarios/): 六个假设场景，说明储蓄型保单、年金、CPF 填补、SRS、T-bill 或新加坡储蓄债券可能适合的位置，并列出目标、结构、风险与所需专业人士。
- [资料来源与官方参考](/zh/sources/): 本站所依据的官方文件——MoneySense、MAS、LIA、CPF Board、MOF、IRAS、SDIC、SingStat 及银行——逐项列出发布机构、标题、日期与链接。
- [用 SRS 购买储蓄型保单与年金：资格规则、提取税务与终身年金例外](/zh/srs-and-insurance/): 用 SRS 资金购买储蓄型保单与年金：只限趸交，寿险保障上限为保费 3 倍，不得做信托提名，符合条件的提取 50% 计税，以及终身年金的特殊规则。

## About and disclosures
- [About](/about/)
- [Contact](/contact/)
- [Disclosures](/disclosures/)
- [Network](/network/): Directory of the 26-site Xiaopoxian network

## Network
- [iul.sg](https://iul.sg/): iul.sg — Singapore IUL comparison platform
- [iul.com.sg](https://iul.com.sg/): IUL Academy — how indexed universal life works
- [vul.sg](https://vul.sg/): vul.sg — Variable Universal Life in Singapore
- [vul.com.sg](https://vul.com.sg/): VUL Singapore — the variable universal life guide
- [vul.hk](https://vul.hk/): vul.hk — VUL in Hong Kong vs Singapore
- [term.com.sg](https://term.com.sg/): Term Life Insurance in Singapore
- [term.hk](https://term.hk/): term.hk — Term life in Hong Kong vs Singapore
- [wholelife.com.sg](https://wholelife.com.sg/): Whole Life Insurance in Singapore
- [wholelife.hk](https://wholelife.hk/): wholelife.hk — Whole life in Hong Kong vs Singapore
- [ppli.com.sg](https://ppli.com.sg/): Private Placement Life Insurance (PPLI) Singapore
- [ilp.com.sg](https://ilp.com.sg/): Investment-linked Policies (ILP) in Singapore
- [saving.sg](https://saving.sg/): saving.sg — Savings insurance in Singapore
- [savings.sg](https://savings.sg/): savings.sg — Saving and cash management in Singapore
- [xiaopoxian.sg](https://xiaopoxian.sg/): Xiaopoxian — Singapore insurance & wealth knowledge network
- [xiaopoxian.com.sg](https://xiaopoxian.com.sg/): Xiaopoxian Encyclopaedia — Singapore insurance explained
- [vccfund.sg](https://vccfund.sg/): vccfund.sg — Singapore Variable Capital Company guide
- [vccfund.com.sg](https://vccfund.com.sg/): VCC Fund Singapore
- [hnw.sg](https://hnw.sg/): hnw.sg — HNW wealth planning in Singapore
- [hnwi.sg](https://hnwi.sg/): hnwi.sg — The HNWI landing handbook for Singapore
- [hnwsolution.sg](https://hnwsolution.sg/): hnwsolution.sg — HNW solutions: insurance, family office, private banking, wealth
- [hnwsolution.com.sg](https://hnwsolution.com.sg/): HNW Solutions Singapore
- [privatebank.hk](https://privatebank.hk/): privatebank.hk — Private banking guide, Hong Kong × Singapore
- [bankaccount.sg](https://bankaccount.sg/): bankaccount.sg — Opening a bank account in Singapore
- [bankaccount.com.sg](https://bankaccount.com.sg/): Singapore Bank Account Guide
- [bankaccount.hk](https://bankaccount.hk/): bankaccount.hk — Hong Kong bank accounts and the HK × SG comparison

## Data and boundaries
- Every page cites sources and dates; nothing is inferred where sources are silent; guaranteed and non-guaranteed items are labelled separately; illustrations and past performance do not indicate future results.
- 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.