Your CPF savings will compound for decades before you touch them. Even a small difference in the interest rate adds up to a lot by the time you retire.

Here’s the short answer. Your Ordinary Account (OA) earns 2.5% per annum, while your Special, MediSave, and Retirement Accounts earn 4% per annum. On top of that, extra interest on your first $60,000 of combined balances means you can earn up to 5% if you’re below 55, or up to 6% if you’re 55 and above.

These rates are reviewed every quarter, so always check the CPF Board’s interest rates page for the live figures. But where do the numbers come from, and why have they barely moved in over two decades? Let’s dig in.

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Every month, a chunk of your pay goes into your Central Provident Fund (CPF) accounts before it ever reaches your bank. How much, and which account it lands in, comes down mostly to your age.

Quite a lot has changed in recent years. The salary ceiling has been raised in stages to $8,000, contribution rates for workers above 55 have gone up several times, and the Special Account no longer exists for members aged 55 and above.

This page is updated regularly, so the rates below reflect what applies in 2026.

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Insurance is always best bought when you’re young, when the odds of a clean bill of health are highest and you can get the full extent of coverage.

But plenty of people treat it as something they can put off. And it’s true that the chances of a critical illness or death rise with age.

There are two things worth remembering, though.

First, these events can still happen early, and when they do, they tend to hit your family’s finances harder. Second, even a minor condition picked up along the way can affect your chances of being approved later.

So if you already have a pre-existing condition and you’re wondering what your options are, you’re not out of luck. We can’t turn back the clock, but here’s what you can still do.

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You may have seen this phrase: “protected up to specified limits by SDIC” in product brochures and advertisements by financial institutions.

What exactly are you insured for and how much is the limit?

In this article, we cover all that and took a deeper look into SDIC in Singapore and the schemes it administers.

So, read on!

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How much does it really cost to put one child through school in Singapore, from infant care all the way to a university degree?

Two things decide it: your child’s citizenship status, and the schools you pick. For a Singapore Citizen in government schools, the total is far lower than most parents expect. For everyone else, the bill runs into six figures before university even begins.

Below we work through the average total cost of education in Singapore, for both public (government schools, unless otherwise stated) and private schools (including international schools). This guide sits within our wider research on education cost statistics in Singapore, and we update it as fees change.

(All figures are quoted in Singapore dollars.)

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More people are seeing the wisdom of investing early to grow their wealth.

As one of the more common types of financial instruments in the market, bonds are something that everyone should definitely seek to understand before deciding which tool to invest in.

In this article, you’ll get to understand how bonds work and what are the different types of bonds out there in the market.

So, read on!

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Investing your hard-earned savings wisely helps you combat inflation and gain higher returns.

Maximising returns is desirable as it can help you to achieve your financial goals more quickly.

According to statistics, over half of all Singaporeans are aware of this and have investments in stock or equities. However, stock and equities are not the only way to store your wealth.

Among the variety of options available, fixed deposits in Singapore are one of the safest and easiest long-term investment instruments to understand.

If you are simply looking for a simple, passive instrument to store rather than grow your wealth, fixed deposits may be of interest to you.

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Do you fall within the majority of Singaporeans who are invested? Which instruments have you chosen to invest in?

Bonds are one of the most popular forms of investments in Singapore. This is because they generally pose lower risk than stocks and equities.

Even within this category, there are many different types of bonds, with Singapore Government Securities (SGS) being possibly the most secure.

In this article, we’ll cover the different types of SGS and more.

So, read on!

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When the first Singapore Savings Bonds (SSBs) were introduced, the demand was high as there were very few safe investment options which provide high potential returns.

Over time, the returns of SSBs have gone down. Is it still a viable option now?

In this article, we’ll take a deeper look at what the SSB is all about, the current and historical interest rates, and the pros and cons.

So, read on!

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How much does tuition really add up to by the time your child finishes school?

Private tuition has become a near-standard part of growing up in Singapore, and the bill is bigger than most parents realise when they sign up for that first weekly session.

This guide sets out what tuition costs today, from the hourly rate of a single tutor to what the average household actually spends, and works out the lifetime cost of keeping a child in weekly tuition.

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