Compare and Get the

Best Retirement Plan in Singapore (2025)

We help you compare Retirement Plans in Singapore, Get Tailored Retirement Solutions Based on Your Financial Goals

Why Retirement Plan?

If you have assets that are unstructured and scattered, then retirement annuity plans can provide a reliable source of income that offers true value over time, helping ensure financial security throughout retirement. These plans are structured to allow you to maintain your desired standard of living. Instead of having a lump sum of money that permits undisciplined management of your retirement cash flow, the retirement plan can be structured as income and principal drawdown, or as capital preservation with income options. Policyholders can tailor their plans based on their financial goals, choosing the savings period, accumulation period, retirement age, and the duration over which income will be received.

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Drawdown or preserve

Strategize your payout to fit your goals. Choose between capital drawdown, capital preservation or both. Take control of your financial future by choosing your ideal retirement age, payout amount and timeline.

Retirement Choice

Take control of your retirement by choosing the savings period, accumulation period, retirement age, and the duration over which income will be received. Tailor your retirement journey base on your financial goals

Insurance Protection

Enjoy principal protection, premium waivers upon disability or the inability to work and receive additional support during retirement. Secure your future and navigate life’s uncertainties with retirement plans.

Retirement Planning F.A.Q

Find answers to commonly asked questions about Retirement Planning in Singapore

How do we help you plan?

If you’re 18 or older, it’s never too early or too late to start building your retirement and annuity plan. We’ll guide you every step of the way, with advice tailored to your goals.

What is the difference between a Retirement and Annuity plan?

A retirement plan and an annuity plan are similar in that both help provide financial security during retirement. However, they differ in purpose and structure. A retirement plan is a broad strategy that includes various savings and investment options, such as an investment or traditional endowment to help accumulate wealth over time. An annuity plan, on the other hand, is a financial product designed to provide a guaranteed income stream, usually purchased with a lump sum or regular payments. In short, retirement plans focus on building wealth, while annuities focus on distributing that wealth as income during retirement. Both can be used interchangeable in most cases.

What is the difference between Income Drawdown and Capital Preservation?

An Income Drawdown retirement plan allows you to withdraw a regular income from both the principal and returns of your invested savings over time, offering flexibility but with the certainty of depleting your capital overtime through periodic withdrawal. In contrast, a Capital Preservation Income plan is designed to protect your principal while providing a stable income stream, typically through interest or dividends. The core difference lies in whether you prioritize accessing your capital during retirement or preserving it for future withdrawal or your next generation while generating passive income.

What if i terminate the policy during the policy term?

You might suffer a loss of principal if the termination comes early on during the contract.

How do i apply and pay?

After our insurance experts contact you via your form submission to clarify your needs and guide you through your options. You can then apply Retirement/Annuity plan with them via online or face to face submission. Premium payments can be made via credit card (recurring setup), GIRO, AXS (physical stations, website, or app), or bank transfer through online banking

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Sample Quotes: Capital Drawdown Retirement Plan, Save for 10 years, receive monthly income for 20 years (Principal Guaranteed)

Sample Retirement Plan Payout Annual Premium Payable for 10 years, 10 years Accumulation & 20 years Payout Projected Monthly Income is based on 4.25% p.a.
Insurer	Annual Premium 10 years	Monthly Income for 20 years
Income	$6,000	$624.90 Per Month
Singlife	$6,011.50	$531.33 Per Month
Manulife	$6,039.73	$622.01 Per Month
Etiqa	$6,535.90	$549.27 Per Month
China Taiping	$6,000	$667.26 Per Month
China Life	$6,840	$660 Per Month

Sample Quotes: Capital Preserved Lifetime Income and Legacy Plan Single Premium of 100,000 without financing (Principal Guaranteed)

Sample Life Income Plan Single Investment of SGD 100,000 + Projected Annual Income on 4.25% p.a.
Insurer	Payout Starting From (Month)	Lifetime Annual Income
FWD	37th	$3,430
Singlife	37th	$3,224
Manulife	37th	$3,600
China Taiping	37th	$3,500
Chinalife	61st	$3,657
Income (FKA NTUC Income)	37th	$3,750

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