Savings

Plan your savings for a secure retirement.

What is Savings ?

Savings Timeline (As you Age)

Liquidity
(Age 20-30)

  • Marriage
  • Home Downpayment
  • Car

Commitment
(Age 30-40)

  • Young Children
  • Mortgage Repayments
  • Car Repayments

Acceleration
(Age 40-60)

  • Second Property
  • Higher Income
  • Higher Risk Investments

Preservation
(Age 60 and Beyond)

  • Lower Risk Growth
  • Asset Rebalancing
  • Comfortable Retirement

Products (For Different Phases)

Phases

Product Types

Liquidity
(Age 20-30)

  • CPF Investments
  • 5 years Guaranteed Endowment
  • 3 Years Fixed Deposits
  • Save as you Earn
  • Money Market Funds

Commitment
(Age 30-40)

  • 10 years Guaranteed Endowment
  • Dollar Cost Averaging Investments
  • Life Insurance Plans
  • Yearly Renewable Term Plans

Acceleration
(Age 40-60)

  • Dollar Cost Averaging ETFs
  • High Risk Bonds
  • REITS
  • High Dividend Stocks
  • Additional Properties

Preservation
(Age 60 and Beyond)

  • Single Sum Guaranteed Annuities
  • Short Term Life Plans
  • SRS Investments
  • Short Term Bonds
  • Blue Chip Dividend Stocks

Consistent Investing

Investing Graph

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