The Best Retirement Plan To Complement Your CPF LIFE

Retire in comfort with peace of mind, for real.

~15%* annual growth of your retirement portfolio

Zero cost of insurance

More than 10 years of track record

Capital protection upon bequest

TIP: Option to invest with SRS monies for tax-free returns

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*Terms and conditions apply.

Why Trust Us?

Independent financial advisors with transparent & unbiased recommendations

Capital placed only with reputable insurers in the region

Quick, hassle-free policy signing

Retire in comfort. Let your retirement fund grow by a stellar ~15%/year* with a proven track record and managed for more than 10 years. Plus ZERO cost of insurance and capital protection upon bequest.

*Terms and conditions apply.

Why do I need a retirement plan when I have CPF LIFE?

Comfortable retirement is not cheap.

In a recent study by OCBC Bank, 34% of people in their 20s and 28% of those in their 30s were aiming for a retirement lifestyle that will cost almost $6,000 a month!

A simple and basic lifestyle for current retirees will cost at least S$2,500 a month to maintain. For someone aged 40 now, hoping to retire at the age of 65, with a rough inflation rate of 3%, it would take about S$4,000 a month in the future to have a basic retirement lifestyle.

Therefore, relying on CPF LIFE payouts alone is most likely insufficient to cover all your basic retirement expenses, let alone a comfortable retirement lifestyle.

While CPF LIFE is a valuable part of your retirement income, it is also important to consider other sources of income to ensure that you have enough for your retirement.

Furthermore, with our CPF Special Account (SA) closing in 2025 for Singapore residents aged 55 and above, we have one lesser “source” of fixed, decent returns on our CPF savings.

Finding the best retirement plan for your situation

Each plan has its own unique features and benefits, as they cater to different needs. That said, the goal of achieving financial stability in your golden years remains the same. CPF LIFE holds up well as a basic annuity plan, while a private retirement plan fills any potential gaps.

We are a team of authorised independent financial advisors (IFAs) from Promiseland Independent Pte Ltd, and we represent almost all of the insurers and investment platforms. That’s why our clients engage us to compare and recommend the best retirement plan based on their specific needs and requirements.

We specialise in CPF calculation and plan your retirement professionally. Please leave your contact details and we will get in touch within 1 business day (usually within the day).

Your choice, your terms: lump sum or lifetime monthly payouts

Flexibility is key when you retire. You get to choose a lump sum payout upon maturity, or lifetime monthly payouts. For lump sum payout, we get to withdraw the entire portfolio – PLUS our compounded earnings.

We recommend clients to get lifetime monthly payouts instead, though, since as long as our retirement portfolio has money, it continues earning (like our CPF LIFE).

Another option is to withdraw a smaller lump sum and leave the minimum amount in the retirement fund to let it continue compounding while you get lifetime monthly payouts.

Also, when you pass on, your retirement portfolio is protected and can be left as part of your estate to your loved ones.

The Fund's Track Record

Nitty gritty details on why our clients trust us, this product, and have been enjoying the coverage + returns over the years.

Performance chart

The above chart is based on Fundsmith, one of the best performing funds in the selection pool. A refers to Fundsmith’s performance while B refers to Sector: IA Global.

Fundsmith's factsheet

Terms and conditions

Welcome promo bonus of up to 56%

On top of the initial bonus of up to 141%, when you commit to a premium term of at least 15 years, you get to get an additional welcome bonus. Please reach out to get a full breakdown based on your desired commitment.

Important points to note about this retirement fund product

Key information and disclaimers.

Entitled to a one-time start-up bonus based on the annual premium paid, up to 12%.

This product is available in both USD and SGD.

Signing and transaction must be made by the policy holder

Please contact us to learn more about the flexibility and options available to you.

Option to invest with SRS monies for tax-free investment returns