Journal
Clear writing on the decisions that compound.
CPF, mortgages, insurance, and financial independence — explained for Singaporeans making the decisions that matter most.
The CPF OA withdrawal you made is still charging you interest
When you use CPF OA to pay for your flat, the withdrawn amount continues accruing interest at 2.5% per year. Most homeowners only discover the total when they sell. Here is how to calculate your exact exposure.
HDB loan versus bank loan: the calculation most agents skip
The 0.1% interest rate gap between HDB and bank loans is not the full picture. TDSR flexibility, prepayment penalties, and the ability to reprice matter more over a twenty-five-year tenure.
Why your whole-life plan is probably not protecting you
Whole-life savings plans sold to young Singaporeans often provide less critical illness coverage than a term policy at a fifth of the premium. The difference does not stay in your pocket — it goes to the policy's investment component.
SRS contributions and the tax bracket most people misread
Singapore's Supplementary Retirement Scheme offers a dollar-for-dollar tax deduction. Whether the after-tax savings exceed the illiquidity cost depends entirely on your effective marginal rate — which is not always what you think it is.
More articles on the way.
New pieces publish every two weeks. Topics include CPF LIFE payout optimisation, TDSR planning, and portfolio construction for Singapore residents.
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