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# SmartWealth Singapore: SmartWealth is a Singapore-based financial planning platform that provides objective, data-backed financial knowledge and product comparisons to help you make informed decisions.

## Sitemaps
[XML Sitemap](https://smartwealth.sg/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [10+ SRS Statistics in Singapore (2026)](https://smartwealth.sg/srs-statistics-singapore/): Have you noticed more of your friends and colleagues talking about topping up their SRS account each December?
- [15+ CPF Statistics in Singapore (2026)](https://smartwealth.sg/cpf-statistics-singapore/): How does your CPF balance compare with others your age?
- [CPF Retirement Sums (2026): BRS, FRS & ERS Full Table](https://smartwealth.sg/cpf-retirement-sums/): How much do you actually need in CPF by 55? The answer is one of three numbers. Two of them, the Basic and Full Retirement Sums, are set by the year you were born and stay fixed for life. The third, the Enhanced Retirement Sum, is a ceiling that rises every January for everyone.
- [Insurance Policy Summary Template (Free Download)](https://smartwealth.sg/insurance-policy-summary/): An insurance policy summary is the fix: a single table listing every policy you own, what each one pays and for which event, what it costs, and until when. One page, and your total cover finally becomes visible at a glance.
- [Property Planning in Singapore: Fitting Your Home Into Your Financial Plan (2026)](https://smartwealth.sg/property-planning-singapore/): Your home is probably the biggest financial decision you'll ever make. Yet most of us plan the purchase in obsessive detail, then never plan the ownership.
- [Property Inheritance in Singapore: What Happens to Your HDB or Private Property When You Die?](https://smartwealth.sg/property-inheritance-singapore/): You've spent years working towards owning your own home, whether that's a resale flat in Tampines or a condo in Bishan. But have you thought about what happens to it after you're gone?
- [Advance Medical Directive (AMD) in Singapore: How It Works & How to Make One](https://smartwealth.sg/advance-medical-directive-singapore/): An Advance Medical Directive is how you settle that question in advance, while you're well and clear-headed. It's one of the most misunderstood documents in Singapore, so here's exactly what it does, what it doesn't, and how to make one.
- [New Integrated Shield Plan Rider Changes: 7 Things to Know (2025)](https://smartwealth.sg/integrated-shield-plan-rider-changes-2025/): On 26 November 2025, the Ministry of Health (MOH) announced a major overhaul of Integrated Shield Plan (IP) riders. 
- [11+ Housing Cost Statistics in Singapore (2026)](https://smartwealth.sg/housing-cost-singapore-statistics/): Property prices in Singapore have soared over the last decade. 
- [8 Reasons Why Singapore Properties Are So Expensive](https://smartwealth.sg/why-singapore-property-expensive/): Singapore's property market is known for its high prices. The main reason for this is simple: demand outweighs supply. 
- [The Cost of Purchasing and Owning Your First Property in Singapore (2026)](https://smartwealth.sg/cost-buying-property-singapore/): Buying a property in Singapore is a costly affair.
- [13+ Housing & Household Statistics in Singapore (2026)](https://smartwealth.sg/housing-household-statistics-singapore/): Housing is a very important component to a Singaporean, as it’s likely to be one of the biggest wealth-generating assets, amongst other asset-building alternatives.
- [11+ Education Cost Statistics in Singapore (2026)](https://smartwealth.sg/education-cost-statistics-singapore/): Singapore’s education system is taken very seriously, and for good reason. The island nation suffers from a lack of natural resources and thus relies heavily on human capital, seen as one of the keys to its strong economy and high Gross Domestic Product (GDP).
- [Average House Price in Singapore: HDB, Condo & Landed (2026)](https://smartwealth.sg/average-house-price-singapore/): Home is where the heart is, but cost is still a major consideration when purchasing one in Singapore.
- [The Salaries of Singapore’s President, Ministers & MPs (2026)](https://smartwealth.sg/salaries-singapore-president-ministers-mps/): The salaries of Singapore's political office holders are known to be high – much higher than the median income of Singaporeans, which stands at $5,775 per month.
- [How Many Million-Dollar HDB Flats Were Sold? (2026)](https://smartwealth.sg/million-dollar-hdb-flats/): Since then, yearly sales of million-dollar HDB flats have almost always increased. 
- [Average (Median) Household Income in Singapore [2026]](https://smartwealth.sg/average-household-income-singapore/): We have previously written about the average income/salary in Singapore, breaking it down by age, sex, education, occupation, and industry.
- [Cash Management Accounts in Singapore [2023 Guide]](https://smartwealth.sg/cash-management-accounts-singapore/): Savings accounts have been the conventional route for many Singaporeans to store hard-earned money. You may also have tried to use a high-yield savings account to earn eligible bonus interest rates.
- [7 Financial Literacy Statistics in Singapore: Survey Findings (2026)](https://smartwealth.sg/financial-literacy-singapore-statistics/): The cost of living in Singapore has been rising. 
- [Average Median Income/Salary in Singapore by Age, Etc [2026]](https://smartwealth.sg/average-income-salary-singapore/): With a higher income, you can create, retain, and protect wealth more quickly, especially if you use the right tools and practise proper financial planning.
- [CPF Interest Rates 2026: How They’re Set & How to Earn More](https://smartwealth.sg/cpf-interest-rates/): 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.
- [CPF Contribution & Allocation Rates in 2026 (Simple Explanation)](https://smartwealth.sg/cpf-contribution-allocation-rates/): 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.
- [How to Get Insurance in Singapore With a Pre-Existing Medical Condition](https://smartwealth.sg/insurance-for-pre-existing-conditions/): 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.
- [What Is SDIC Insurance in Singapore (& Why Should It Matter)?](https://smartwealth.sg/sdic-singapore/): You may have seen this phrase: "protected up to specified limits by SDIC" in product brochures and advertisements by financial institutions.
- [School Fees in Singapore: The Total Cost of Education (2026)](https://smartwealth.sg/school-fees-in-singapore/): Benjamin Franklin once said, “Investment in knowledge pays the best interest.” Although Benjamin Franklin lived in the 18th century, his words are still relevant today.
- [Investing in Bonds (Singapore): How Are They as Investments?](https://smartwealth.sg/bonds-investment-singapore/): More people are seeing the wisdom of investing early to grow their wealth.
- [Fixed Deposits in Singapore: Interest Rates, Alternatives & More (2021)](https://smartwealth.sg/fixed-deposits-singapore/): Investing your hard-earned savings wisely helps you combat inflation and gain higher returns.
- [4 Types of Singapore Government Securities (SGS) to Know](https://smartwealth.sg/singapore-government-securities-sgs/): Do you fall within the majority of Singaporeans who are invested? Which instruments have you chosen to invest in?
- [Singapore Savings Bond (SSB): Review on the Interest Rates [2022]](https://smartwealth.sg/singapore-savings-bonds-ssb/): 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.
- [Average Tuition Rates in Singapore: What Parents Spend (2026)](https://smartwealth.sg/average-tuition-rates-singapore/): How much does tuition really add up to by the time your child finishes school?
- [Personal Income Tax in Singapore: Rates, Brackets & Filing Guide (2026)](https://smartwealth.sg/personal-income-tax-singapore/): Filing income tax gets easier with practice. The numbers rarely stop being confusing.
- [SRS for Foreigners: How the Scheme Works [2026]](https://smartwealth.sg/srs-for-foreigners/): As a foreigner working in Singapore, you don't contribute to CPF. That leaves a question your Singaporean colleagues never have to ask: where does your retirement saving actually happen?
- [How Many Millionaires (& Billionaires) in Singapore? [2025]](https://smartwealth.sg/number-of-millionaires-singapore/): You may have heard of the movie "Crazy Rich Asians", which was set in Singapore, but how many people in this country are considered rich?
- [Insurance Planning in Singapore: A Step-by-Step Guide (2026)](https://smartwealth.sg/insurance-planning-singapore/): If your income stopped tomorrow, how long could your family keep up with the mortgage, the school fees, and the everyday bills?
- [Personal Financial Planning in Singapore: 7-Step Wedding Cake Strategy](https://smartwealth.sg/personal-financial-planning-singapore/): Most people don't really have a financial plan. They have a stack of decisions made at different times and for different reasons: a policy taken up years ago, savings sitting in one place, an investment in another, a few things they always meant to sort out. Each one made sense on its own. Side by side, they don't add up to a system.
- [Income & Wealth Inequality in Singapore: 2026 Statistics](https://smartwealth.sg/income-inequality-singapore/): Despite being a small country, Singapore is fortunate to have achieved great economic progress over the years. In general, most Singaporeans have higher incomes and greater wealth now than ever before, partly thanks to the availability of personal finance products that help them save and invest more effectively.
- [5 Reasons Why Singapore Is So Rich (& How Rich Is It?)](https://smartwealth.sg/why-is-singapore-so-rich/): You may have heard that Singapore is run like a corporation, and a successful one at that. 
- [7 Consumer Spending Statistics, Habits, & Patterns in Singapore (2021)](https://smartwealth.sg/consumer-spending-statistics-singapore/): Have you been spending more or less during the COVID-19 pandemic?
- [How Much National Reserves Does Singapore Have? (2025)](https://smartwealth.sg/national-reserves-singapore/): Because of the COVID-19 pandemic, Singapore had to draw down on its past reserves several times since 2020. For the individual, this is similar to selling off hard-earned savings or investments.
- [Average Net Worth (Wealth) in Singapore: 2026 Statistics](https://smartwealth.sg/average-net-worth-singapore-statistics/): How does your household's net worth stack up against others in Singapore?
- [Life Insurance Tax Relief in Singapore: Are You Eligible? (2026)](https://smartwealth.sg/life-insurance-tax-relief/): While filing your taxes, you may have come across the Life Insurance Relief.
- [How to Reduce Income Tax in Singapore: 16 Ways That Work (2026)](https://smartwealth.sg/how-to-reduce-income-tax-singapore/): Every March, the tax filing season opens. And every March, many Singaporeans discover that the best time to reduce their tax bill was actually the December before.
- [What Is an Emergency Fund (& How Much Is Enough)?](https://smartwealth.sg/emergency-fund/): A 2020 survey by HSBC showed that unexpected expenses and reduction of income are 2 of the top 3 financial concerns of all respondents across all financial fitness levels.
- [Child Education Planning in Singapore: Complete Guide (2026)](https://smartwealth.sg/child-education-planning-singapore/): What will a degree cost by the time your newborn is ready for university?
- [71.3% of adults in Singapore who say a university education is expensive believe it’s still worth it (Survey)](https://smartwealth.sg/university-costs-survey/): Do you think we can afford to send our children to universities in the future?
- [6 Ways to Fund a University Education in Singapore](https://smartwealth.sg/ways-to-fund-university-education/): Many parents still hope to send their children to university, even as the world puts more weight on skills and talent.
- [The Cost of an Overseas University Education (for Singaporeans)](https://smartwealth.sg/overseas-university-costs/): While most parents hope that their child can study in one of the six local universities in Singapore, this may not always be possible for a range of reasons.
- [5 Reasons to Fund Your Child’s Education with Endowment Savings Plans](https://smartwealth.sg/child-education-savings-plan-singapore/): Raising a child in Singapore can be a costly affair.
- [Education Fund Calculator: How Much to Save for Your Child’s University? (2026)](https://smartwealth.sg/university-education-fund-calculator/): How much should you be setting aside each month for your child's university education? For most families the honest answer is a few hundred dollars, but yours depends on your child's age and the path you have in mind. The calculator below pins down your figure. The rest of the page gives you the 2026 costs and inflation rates to enter, and what to do about the result.
- [9 Statistics on the High (& Rising) Cost of Living in Singapore](https://smartwealth.sg/cost-of-living-in-singapore-statistics/): Singapore has constantly been ranked as one of the cities with a high cost of living.
- [The Average Monthly Cost of Living in Singapore (2021)](https://smartwealth.sg/cost-of-living-in-singapore/): Before the global pandemic struck, Singapore was a popular city of choice for many expatriates seeking to move abroad.
- [The Cost (& Average) of University Tuition Fees in Singapore [2026]](https://smartwealth.sg/cost-of-university-fees-singapore/): Education has always been in high demand in Singapore, driven by parents eager to see their children excel in top schools, regardless of their grade level.
- [Top 10 Richest People in Singapore (and How They Got Rich)](https://smartwealth.sg/richest-people-in-singapore/): If you have seen the movie, Crazy Rich Asians, you might have wondered if these crazy rich Asians really do exist in Singapore.
- [How to Allocate Your Monthly Salary With the 50/30/20 Budgeting Rule](https://smartwealth.sg/50-30-20-budget-rule/): Do you know how to efficiently allocate your monthly salary? 
- [8 Reasons Why the Cost of Living Is So High in Singapore](https://smartwealth.sg/high-cost-of-living-singapore/): Southeast Asia (SEA) is known to be a region for cheap travel. 
- [Average Annual Inflation Rate in Singapore (2026)](https://smartwealth.sg/average-inflation-rate-singapore/): When planning your finances, understanding the average inflation rate is crucial for several reasons.
- [Average Healthcare (Medical) Inflation Rate in Singapore [2026]](https://smartwealth.sg/medical-inflation-rate-singapore/): Recently in Singapore, there has been growing concern about rising medical costs.
- [Average Education Inflation Rate in Singapore (2026)](https://smartwealth.sg/education-inflation-rate-singapore/): Singapore has no natural resources.
- [Spending habits in Singapore: 52% of adults don’t know how much they spend every month (Survey)](https://smartwealth.sg/spending-habits-survey/): Do you know how much you spend each month?
- [14 Death Statistics in Singapore: Causes, Survival Odds, & Trends (2026)](https://smartwealth.sg/death-statistics-singapore/): Death is the one certainty every financial plan is built around, yet it is the topic most of us plan for least.
- [Net Worth Calculator: How to Calculate Your Net Worth in Singapore (2026)](https://smartwealth.sg/net-worth-calculator/): If someone asked what you're worth, could you give a number? Most of us can quote our salary to the dollar, yet net worth, the figure that actually measures financial progress, usually gets a shrug. This page fixes that: use the calculator to get your number, then read on to understand what it means and how it compares.
- [How to Budget Money: 7-Step Process to Save More in Singapore](https://smartwealth.sg/how-to-budget-money/): Why do some of us find it hard to save money?
- [Online Monthly Budget & Expense Calculator (Free)](https://smartwealth.sg/budget-expense-calculator/): Do you know exactly where last month's salary went? Most of us can name our income to the dollar. The expenses side is usually a blur, and that blur is where savings quietly disappear. This free calculator works out your take-home income, adds up your monthly expenses, and shows you the number that actually matters: how much cash you have left each month, and where the rest of it went.
- [Retirement Planning in Singapore: The Complete Guide (2026)](https://smartwealth.sg/retirement-planning-singapore/): What does retirement actually look like to you?
- [CPF for Retirement: RA, Retirement Sums & CPF LIFE Payouts](https://smartwealth.sg/cpf-retirement/): Every month, part of your salary quietly disappears into CPF. But how do those deductions actually turn into an income when you stop working?
- [Retirement Age in Singapore: Now 64 & How It Impacts You (2026)](https://smartwealth.sg/retirement-age-singapore/): On 1 July 2026, the statutory retirement age in Singapore went up from 63 to 64, and the re-employment age from 68 to 69.
- [7 Best Retirement Investment Options in Singapore (2021)](https://smartwealth.sg/best-retirement-investment-options/): Saving money requires disciplined action or inaction (not spending).
- [How to Craft an Effective Retirement Investment Strategy](https://smartwealth.sg/retirement-investment-strategies/): By now, many Singaporeans would’ve known the importance of planning for their retirement.
- [Compound Interest Rate Calculator (With Formula)](https://smartwealth.sg/compound-interest-calculator/): Use this compound interest rate calculator to marvel at the power of compounding.
- [Universal Life Insurance Plans in Singapore: Ultimate Guide (2021)](https://smartwealth.sg/universal-life-insurance-singapore/): If you're a high net worth individual, you might've heard about the universal life insurance.
- [3G Lifetime Income Insurance Plans in Singapore: Ultimate Guide (2021)](https://smartwealth.sg/3g-lifetime-income-plans/): How do we benefit ourselves, our children, and our grandchildren with a single plan?
- [Advance Care Planning (ACP) in Singapore: A 2026 Guide](https://smartwealth.sg/advance-care-planning-singapore/): Most of us plan for death with insurance and a will. Far fewer plan for the stretch in between: still alive, but too unwell to speak for ourselves.
- [Lasting Power of Attorney (LPA) Singapore: How to Make One & Costs [2026]](https://smartwealth.sg/lasting-power-of-attorney/): We plan for death with insurance and a will. Far fewer of us plan for the in-between: being alive, but no longer able to make our own decisions.
- [Estate & Legacy Planning in Singapore: Complete Guide 2026](https://smartwealth.sg/estate-planning-singapore/): Estate planning is almost always an afterthought.
- [Legacy & Estate Planning Statistics in Singapore (2026)](https://smartwealth.sg/estate-planning-statistics-singapore/): What happens to your money, your home, and even your medical decisions if you pass away or lose your mental capacity without the right paperwork in place?
- [FinSnap: Take a Complete Snapshot of Your Finances (Free Template)](https://smartwealth.sg/finsnap/): FinSnap is a free Google Sheets and Excel template that captures your entire financial life in one file: who you are, what you earn and spend, what you own and owe, how you're insured, what you're working towards, and what your family needs to know if something happens to you.
- [Setting Up a Trust in Singapore: Types, Costs & Guide [2026]](https://smartwealth.sg/setting-up-trust-singapore/): Trusts have a reputation for being only for the ultra-rich.
- [Will Writing in Singapore: The Complete Guide (2026)](https://smartwealth.sg/will-writing-singapore/): Most of us spend far more energy thinking about life than about what happens after it.
- [What Happens If You Die Without a Will in Singapore (2026)](https://smartwealth.sg/dying-without-will-singapore/): Dying is hard enough to think about. Dying without a will is the part almost no one plans for, mostly because you will never be the one left dealing with it.
- [CPF Nomination in Singapore: A Complete Guide (2026)](https://smartwealth.sg/cpf-nomination/): Every Singaporean and Permanent Resident has a CPF account, and the savings inside it build up quietly over a working lifetime.
- [Intestate Succession Act in Singapore: How Your Estate Is Distributed (2026)](https://smartwealth.sg/intestate-succession-act/): What happens to everything you own if you pass away without a will?
- [Insurance Policy Nomination in Singapore: A Complete Guide (2026)](https://smartwealth.sg/insurance-policy-nomination/): Most of us buy life insurance for the people we'd leave behind. Then we file the policy away and never think about it again.
- [MediShield Life in Singapore: What It Covers & Is It Enough? (2026)](https://smartwealth.sg/medishield-life/): If you're a Singapore Citizen or Permanent Resident, you already have health insurance, whether you signed up for it or not.
- [9 Healthcare Cost Statistics in Singapore (2026)](https://smartwealth.sg/healthcare-cost-statistics-singapore/): Healthcare in Singapore is world-class. It is also expensive, and it is getting more so.
- [The Average Hospital Bill Size in Singapore: Can You Afford It?](https://smartwealth.sg/average-hospital-bill-singapore/): Healthcare costs in Singapore are undeniably high, and they are only getting higher. With rising costs come rising premiums, tighter insurance terms, and greater financial pressure on households when something goes wrong.
- [7 Critical Illness Statistics in Singapore (2026)](https://smartwealth.sg/critical-illness-statistics-singapore/): Curious about critical illness statistics in Singapore? Or maybe you're wondering about the odds of contracting one?
- [Single Premium Whole Life Insurance: Maximise Your Legacy](https://smartwealth.sg/single-premium-whole-life-insurance/): When you’re self-sufficient, you start to focus your thoughts on others.
- [13 Cancer Statistics in Singapore You Should Know (2026)](https://smartwealth.sg/cancer-statistics-singapore/): Cancer is the number one cause of death in Singapore. It has been for a long time.
- [The Average Cost of Cancer Treatment in Singapore (2026)](https://smartwealth.sg/cost-cancer-treatment-singapore/): With so many variables involved, there is no single number that captures the cost of cancer treatment. But we can get reasonably close.
- [Term vs Whole Life Insurance in Singapore: Which One Do You Actually Need?](https://smartwealth.sg/term-vs-whole-life-insurance/): Here's the term vs whole life debate in one line: the same $1,000,000 of cover costs you $567.45 a year as a term plan, or $4,356 a year as whole life.
- [Term Insurance Till Age 99: Protect Your Income + Leave a Legacy](https://smartwealth.sg/term-insurance-till-99/): I'm sure you've heard about term insurance.
- [MINDEF & MHA Group Insurance: Is Singlife’s Cover Worth It? (2026)](https://smartwealth.sg/mindef-mha-group-insurance/): If you have served National Service, you have almost certainly heard of the MINDEF & MHA group insurance. Most of us signed up during BMT, paid a few dollars from our allowance, and never gave it another thought.
- [Dependants’ Protection Scheme (DPS): What It Is & Is It Worth It?](https://smartwealth.sg/dependants-protection-scheme/): The Dependants' Protection Scheme (DPS) might have just landed on your radar, but what exactly does it offer?
- [5 ElderShield Claim Statistics You Must Know (Updated for 2021)](https://smartwealth.sg/eldershield-claim-statistics/): ElderShield has been the talk of the town for awhile now.
- [Life Insurance Calculator: How Much Coverage Do You Need in Singapore? (2026)](https://smartwealth.sg/life-insurance-calculator/): How much life insurance is enough? Most of us never really answer it, which is how we end up with a drawer of policies and no clear idea whether they add up. This page helps you put a number on it: use the calculator to find your shortfall across all four covers, then read on to see where the figures come from.
- [Average Life Expectancy in Singapore: Data, Trends, & Statistics (2026)](https://smartwealth.sg/life-expectancy/): In this article, we look at the latest official data on life expectancy in Singapore, how the country compares globally, where the numbers are heading, and what all of it means for you and your loved ones.
- [What Is Home Insurance and Is It Compulsory?](https://smartwealth.sg/home-insurance/): Owning a property comes with a long to-do list, and home insurance is one of the easier things to put off.
- [21 Life Insurance Claims Statistics in Singapore (A Data-Driven Study)](https://smartwealth.sg/life-insurance-claim-statistics/): Hopefully, this has given you valuable insights into life insurance claim statistics in Singapore.
- [What Is HDB Fire Insurance & Is It Compulsory?](https://smartwealth.sg/hdb-fire-insurance/): Are you looking for information on HDB fire insurance?
- [What Is the Home Protection Scheme (HPS) & Can You Be Exempt From It?](https://smartwealth.sg/home-protection-scheme/): Thinking of buying an HDB flat? Chances are, someone has mentioned the Home Protection Scheme (HPS) to you.
- [CareShield Life Supplement: Should You Upgrade? (2026)](https://smartwealth.sg/careshield-supplement/): CareShield Life pays $689 a month in 2026 if you become severely disabled. Home-based care for that same condition costs around $2,700 a month.
- [What is CareShield Life? The Complete Guide (2026)](https://smartwealth.sg/what-is-careshield-life/): That's the risk CareShield Life exists to cover. And from January 2026, the scheme has been through its biggest changes since it launched.
- [SRS Endowment (Annuity) Insurance Plans: Guide for 2024](https://smartwealth.sg/srs-endowment-annuity/): There's a variety of investment options for SRS monies out there, but somehow, the SRS endowment/annuity plan interests you the most.
- [What Is the Supplementary Retirement Scheme (SRS)? Complete Guide [2026]](https://smartwealth.sg/what-is-srs/): Your colleague tops up his SRS account every December and swears by the tax savings. Your bank app keeps nudging you to open an account. So what exactly is this scheme, and is it worth locking your money away for?
- [Retirement Calculator: How Much Do You Need to Retire in Singapore? (2026)](https://smartwealth.sg/retirement-calculator/): How much do you need to retire in Singapore? It's one of those questions that feels impossible to answer, so most people never put a number on it. This page helps you do exactly that: use the calculator to get your personal figure, then read on to sanity-check it against real retiree spending data and your CPF.
- [9 Best SRS Investment Options in Singapore [2026]](https://smartwealth.sg/best-srs-investment-options/): You've contributed to your SRS account and enjoyed the tax relief. Job done?
- [Integrated Shield Plans in Singapore: How IPs Work (2026)](https://smartwealth.sg/integrated-shield-plans/): An Integrated Shield Plan is a private medical insurance plan that provides additional coverage on top of MediShield Life. It's made up of two components, per MOH: the MediShield Life component run by the CPF Board, and an additional private insurance component from your insurer, targeted at higher ward classes or private hospitals.
- [Endowment Insurance Savings Plans in Singapore: Guide for 2024](https://smartwealth.sg/endowment-savings-plans-singapore/): If an economy is improving, inflation is inevitable. The cost of goods and services will be rising over time.
- [Retirement (& Annuity) Plans in Singapore: Ultimate Guide for 2024](https://smartwealth.sg/retirement-annuity-plans-singapore/): Retirement planning should always be done as soon as possible.

## Pages
- [Best Personal Finance Products in Singapore (2026)](https://smartwealth.sg/solutions/): Explore a thoughtfully curated selection of personal finance products in Singapore. From insurance and credit cards to multi-currency platforms, these options can help you save time, reduce costs, and manage your finances more effectively. Find links to trusted products across various categories tailored to your needs.
- [7 Best Investment-Linked Policies (ILPs) in Singapore [2024 Comparison]](https://smartwealth.sg/best-investment-linked-policies-singapore/): ...Compare and Save Precious Time & Money
- [FullCircle: Comprehensive Financial Planning in Singapore](https://smartwealth.sg/comprehensive-financial-planning-singapore/): See Your Whole Financial Picture in One Session
- [5 Best Retirement/Annuity Plans in Singapore (Comparison for 2024)](https://smartwealth.sg/best-retirement-annuity-plans-singapore/): ...Compare and Save Precious Time & Money
- [Compare the Best Whole Life Insurance Plans in Singapore (2026)](https://smartwealth.sg/best-whole-life-insurance-singapore/): Compare and get personalised quotes from 19 life insurance providers to find the best whole life insurance plan in Singapore for your needs.
- [Abram Lim](https://smartwealth.sg/abram/): Abram Lim is the founder of SmartWealth, established to provide Singaporeans with transparent, data-backed financial insights. He holds a bachelor’s degree in Banking and Finance from the University of London.
- [About SmartWealth](https://smartwealth.sg/about/): Traditionally, it has always been about "taking from the consumer" without giving much in return. We do the opposite. We give generously and expect nothing in return. Only if you believe what we do can help you should you feel free to move forward with us. At the end of the day, we aim for a win-win situation.
- [5 Best Endowment Insurance Savings Plans in Singapore (2024 Comparison)](https://smartwealth.sg/best-endowment-savings-plans-singapore/): ...Compare and Save Precious Time & Money
- [4 Best SRS Endowment/Annuity Plans in Singapore (2024 Comparison)](https://smartwealth.sg/best-srs-endowment-annuity-plans-singapore/): ...Compare and Save Precious Time & Money
- [Compare the Best Maternity Insurance Plans in Singapore (2026)](https://smartwealth.sg/best-maternity-insurance-singapore/): Compare and get personalised quotes from 19 life insurance providers to find the best maternity insurance plan in Singapore for your needs.
- [Compare the Best Early Critical Illness Insurance Plans in Singapore (2026)](https://smartwealth.sg/best-early-critical-illness-insurance-singapore/): Compare and get personalised quotes from 19 life insurance providers to find the best early critical illness insurance plan in Singapore for your needs.
- [Compare the Best Term Insurance Plans in Singapore (2026)](https://smartwealth.sg/best-term-life-insurance-singapore/): Compare and get personalised quotes from 19 life insurance providers to find the best term insurance plan in Singapore for your needs.
- [Compare the Best Mortgage Insurance Plans in Singapore (2026)](https://smartwealth.sg/best-mortgage-insurance-singapore/): Compare and get personalised quotes from 19 life insurance providers to find the best mortgage insurance plan in Singapore for your needs.
- [Contact Us](https://smartwealth.sg/contact/): Hey there, we don't bite.
- [Compare the Best Financial Products in Singapore](https://smartwealth.sg/): We research the top personal finance products to help you save time and money.
- [Personal Finance Blog | SmartWealth Singapore](https://smartwealth.sg/blog/)
- [Privacy Policy](https://smartwealth.sg/privacy-policy/): Your individual personal data and privacy are important to SmartWealth. SmartWealth will take reasonable steps to protect your personal data and to avoid unauthorized access. This Personal Data Protection Policy (“the Policy”) helps you understand how SmartWealth collects, uses and discloses the personal data you have provided to us.