Answered with your own numbers, against Singapore's actual rules. We do the homework. You make the call.
SAFE TO SPEND · THE EXAMPLE HOUSEHOLD BELOW
$9,000a year, on top of what they already spend
Money you never spend was never really yours.
You plan your money so you know how much of it you get to enjoy. Every goal still funded, and still funded at 85.
HOW IT WORKS TODAY
You start
Create your account.
Your advisor joins
A planning circle opens. One conversation, about an hour.
You both see the same plan
Every number, every route, and what changes when life does.
A plan cut to your life, not a rule of thumb from someone else's.
f1gures does the modelling. Your licensed advisor makes the call.
Every decision below lands on this. Nothing is considered on its own.
CASH & SAVINGS · AGE 36 TO 92
LIVECOMPUTED MONTH BY MONTH. OPENING $142,000. SURPLUS $2,850 A MONTH GROWING 2% A YEAR TO 65. GROWTH 3.5% A YEAR APPLIED MONTHLY. FROM 65, DRAWDOWN $5,400 A MONTH AGAINST CPF LIFE OF $1,680. GOALS: HOME UPGRADE AT 40, CARS AT 44 AND 54, UNIVERSITY AT 54.5 AND 57.5.
THE YEAR THAT GETS TESTED
Age 54
A car and the first university bill inside twelve months. $228,000.
STILL FUNDED AT 85
$1,516,187
With the drawdown running and CPF LIFE paying.
Real transaction prices for the size and location you want, then dropped onto the curve.
THE SAME PURCHASE, ON THE CURVE · AGE 36 TO 50
LIVETHE RANGE, NOT A NUMBER
A range
What this size in this location transacted at, and where your target sits.
WHAT IT COSTS LATER
$109,618
The upgrade at 40 takes the balance here, back to level by 47.
THE RULES, APPLIED
Computed
Stamp duty, loan tenure limits, MSR and TDSR, computed rather than assumed.
Playgroup to university, costed from real data. Both children, on the same curve.
PLAYGROUP TO UNIVERSITY · BY YOUR AGE
LIVEEVERY STAGE, PRICED
Five stages
Playgroup, preschool, primary, secondary, tertiary. From real costs, not a round number.
TWO PATHS, NOT ONE
54.5 and 57.5
Each child has their own timeline. University lands at these two ages.
WHERE THEY COLLIDE
$228,000
The first university bill arrives the same year as a car renewal.
All four CPF accounts to 70, the reliefs and their deadlines. Applied, not averaged.
CPF PROJECTION · AGE 36 TO 70
LIVECOMPUTED MONTH BY MONTH. OPENING OA $68,240, SA $42,180, MA $34,500. WAGE CEILING $7,400 A MONTH. CONTRIBUTION 37% TO 55, 31% TO 60, 22% TO 65, 15.5% AFTER, ALLOCATED BY AGE BAND. INTEREST 2.5% ON THE OA, 4.0% ON THE REST. BHS $75,500 WITH MEDISAVE OVERFLOW. FRS $213,000, THE RETIREMENT ACCOUNT FORMING AT 55 FROM THE SA AND THEN THE OA. HOUSING $1,750 A MONTH FROM THE OA TO 65.
A TOP-UP, PRICED
$1,120
$8,000 to the Special Account saves that in tax, before the deadline.
THE OA RUNS DRY AT 55
Age 55
Housing takes $1,750 a month. From 55 it comes from cash instead.
MEDISAVE CAPS AT 40
$75,500
Everything after that overflows to the Special Account and compounds.
THE CHOICE AT 55
$3,263
The Retirement Account clears the Full Retirement Sum by that. Then you choose.
A break when the baby comes. Four days a week at 45. Retiring early enough to enjoy it. Each one priced.
ONE YEAR OUT AT 38, AGAINST THE BASELINE
LIVEA YEAR OUT AT 38
9 more months
Twelve months with nothing set aside. That is the catch-up.
FOUR DAYS A WEEK FROM 45
31 more months
A fifth less set aside, for twenty years. The catch-up is the price.
RETIRING AT 55, NOT 65
Runs out at 64
Six months before CPF LIFE starts. That gap has to be closed first.
A YEAR OUT IS MODELLED AS TWELVE MONTHS WITH NOTHING SET ASIDE, AND FOUR DAYS A WEEK AS A FIFTH LESS. THE MODEL HOLDS NO SPENDING TERM.
05 · THE WHAT-IFS LIVE
Not a round number, not a product. The difference between what your family would need and what you have.
WHAT THE FAMILY WOULD NEED
THE GAP
What is not covered today.
FOUR MORE SHORTFALLS, SAME FACTFIND
AND HERE IS WHERE WE STOP
WHAT WE DO WITH THE NUMBER
We show it to you, and to the licensed advisor in your planning circle. Routes are ranked on fit.
A POLICY, SOLD TO YOU TODAY
The same $682,000, used as a closing argument. Signed in the meeting it was discovered in, before anyone checked the cashflow.
That is the number an insurance salesperson uses to close. We show it and sell you nothing.
WHY THIS WORKS LIVE
Every decision moves the others. We show you the collision years before it arrives.
YOUR ROADMAP
LIVEYour advisor prices the routes against each other. You see what each costs, in dollars and in years, before you choose.
ROUTE A
ROUTE A · UPGRADE AT 40
The bigger home at 40. The thinnest moment is $109,618, and the same retirement pot arrives 52 months later.
ROUTE B · STAY PUT
No upgrade, so no thin moment after 40. The same retirement pot is funded at 60 years 8 months.
BOTH ROUTES COMPARED AT THE SAME RETIREMENT POT, $1,395,108.
Models that assist your advisor with the computation, so more routes can be priced against more data.
Who does what, when, at what age, for how much. Some this month, some nineteen years out.
| WHO | WHEN | AGE | ACTION | AMOUNT |
|---|---|---|---|---|
| You | This month | 36 | Cancel the duplicate critical illness cover. Keep the earlier, cheaper policy. | $3,400 a year |
| You | Before 31 Dec | 36 | Top up the Special Account by $8,000 before this year's relief lapses. | $1,120 saved |
| Spouse | Next quarter | 36 | Move the emergency buffer into its own account. Stop counting it twice. | $29,400 |
| You | At 40 | 40 | Home upgrade, already priced into the curve. Review the mortgage term. | $210,000 |
| Children | At 54 and 57 | 54 | University funding from the savings curve, not the empty Ordinary Account. | $96,000 each |
| You and spouse | At 55 | 55 | The Retirement Account forms. Confirm it clears the Full Retirement Sum first. | $213,000 |
EVERY ROW TRACES BACK TO A NUMBER IN THE PROJECTION. PERSONALISED RECOMMENDATIONS COME FROM YOUR LICENSED ADVISOR, NOT FROM US.
EXPORT TO CSV, AVAILABLE IN THE PRODUCT.
ONE CONVERSATION
About an hour, with your advisor.
STAGE 1
Advisor with client, about an hour
Income, accounts, obligations, and the things you have not priced yet.
STAGE 2
Advisor alone
Your advisor builds and prices the routes before you see them.
STAGE 3
Advisor presents to client
Routes and trade-offs, not a forty-page report. Every figure traces to what you said.
Four questions, computed in your browser. Nothing leaves it.
PDPA compliant · Advisor-led · We don't sell products