Financial Basics
Most financial content isn't built for Singapore. This is. Four articles covering what you actually need to know — from budgeting around CPF, to understanding what your insurance really does, to putting your money to work.
50/30/20
Budgeting Framework
37%
CPF Contribution Rate
$1–1.5M
Life Coverage Needed
$761K
Compounding at 8% for 30 Years
Start here. Read in this order.
01 — Budgeting
How to Budget
Most Singaporeans don't know their real take-home pay. CPF changes the maths entirely. This article covers the Singapore-adjusted framework — irregular expenses, the emergency fund, sinking funds, and why automation beats willpower every time.
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02 — CPF
What is CPF?
CPF will likely be your largest retirement asset — yet most people treat it as a black box. Understand how OA, SA, and MediSave interact, what the retirement sums mean for your payout, and the voluntary strategies that compound at 4% guaranteed.
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03 — Protection
What is Insurance?
Most Singaporeans are either over-insured with the wrong products, or dangerously under-insured where it actually counts. Learn what coverage you need, how much, and why not all ILPs work the same way.
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04 — Investing
The Importance of Investing
Inflation runs at 2–3% annually. A savings account at 0.5% loses real value every year. Learn how compounding works, the evidence on index funds vs active management, and how to build a starting portfolio — even if you're beginning with $100.
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Knowledge is step one. A plan is step two.
These articles give you the foundation. Turning that into a financial plan — built around your income, your CPF, your protection gaps, and your investment timeline — is a different conversation. Let's have it.