Bloom To Success — Financial Tools v2.6

A different kind of financial advisory

Bloom

Every client has the potential to bloom.
We are here to guide that growth.

At Bloom To Success, we help you grow and protect what matters — your wealth, legacy, career, and personal growth. For clients, we bring clarity to every pillar of your financial life. For advisors, the tools and mentorship to build a career you're proud of.

Start your journey Grow with our team →

What Bloom means to us

Build with intention

Every financial plan is built around the client's real life — not a product catalogue.

Lead with clarity

We show clients exactly where they stand — coverage gaps, priorities, retirement picture — all in one view.

Own your growth

Advisors in our team get tools, mentorship and structure to build something lasting.

Outcomes that matter

Not just premiums — real protection, real retirement income, real legacy for families.

More than a transaction

Long-term relationships. Advisors who stay, clients who trust.

Let's point you the right way

Why are you here today?

Two different journeys, one shared belief — that everyone has the potential to bloom. Choose the path that fits you.

🌱

I want to grow & protect what matters

See where you truly stand, plan every stage of your financial life, and walk away with real clarity — not another policy.

For clients →

🚀

I want to build a career in this

Join a team with a real system, real mentorship, and the tools to walk into every meeting looking like a professional.

For advisors →

The problem we solve

Most people don't have a money problem.
They have a clarity problem.

Clients sit in meetings nodding at numbers they don't fully understand, walking out with a policy but no real picture of where they stand. Advisors struggle to make people feel why any of it matters — so good plans stall, and good intentions fade. Bloom was built to fix both.

Talk to us →

The two problems we kept seeing

😟

For clients

"I don't actually know if I'll be okay. Am I covered? Will my money last? Nobody has ever shown me the full picture."

😤

For advisors

"I know my stuff — but I struggle to make clients feel it. Without a system, every meeting feels like starting from scratch."

How the system answers it — step by step

"I don't know where I stand" → Financial view

We map every pillar of the client's financial life in one clear view. The client sees their own gaps for the first time — and points out the problem themselves.

Clarity, not confusion

"What matters most?" → Priorities ranking

Clients rank their own financial priorities, so the plan is built around what they actually care about — not a product the advisor wants to push.

Their goals, in their words

"Is investing too risky?" → The investment conversation

Instead of pressure, we show real long-term data. Clients see for themselves how time turns volatility into certainty — so the decision comes from understanding.

Decisions from understanding

"Will my money last?" → All stages of planning

From growing wealth and funding education to retirement income — every stage is planned for, so the fear of running out is replaced with a clear path.

Nothing left to chance

"Make it real" → Instant professional report

One click turns the whole conversation into a clear, professional report the client takes home — so the clarity lasts long after the meeting ends.

Clarity they can keep

Who we want to grow

We don't just recruit.
We groom.

We're looking for people who want to build something real — not just hit a quota. If you have the heart for people and the hunger to grow, we have the system and the mentorship to get you there.

🌱

Career changers & fresh starters

You don't need experience — you need the right environment. We take you from zero: licensing, product knowledge, how to have real client conversations, and how to use a system that makes you look and feel like a professional from day one. Most of our best advisors started exactly where you are now.

🔄

Experienced advisors wanting more

You have the skills and the client relationships — but something's missing. Maybe it's structure. Maybe it's a system that matches the way you want to work. Here, your experience gets real tools behind it. Clients see the difference. You feel the difference. And you stop reinventing the wheel every single meeting.

"I was brand new — no experience, no confidence, and honestly no idea how to structure a client conversation. The system changed everything. My first few clients felt like I'd been doing this for years. The system did the heavy lifting; I just had to show up and care."

— Amanda L., New Financial Consultant

Meet for a career session →

Client stories

Voices that bloom with us

Real outcomes. Real relationships. This is what it looks like when financial clarity meets genuine care.

“

I thought I was well covered — until we went through the review together. I realised I had gaps I never knew existed. My advisor didn't push anything. She asked the right questions, and I was the one who said "I need to fix this." Within one session, we had a clear plan.

✓ Coverage gaps identified & resolved

Jin Yao

48, Lawyer

“

I've been through many systems with numbers — projections, charts, policy summaries. But this was the first time I went through a system that was designed to understand me and my problem. That made all the difference.

✓ Full financial picture clarified

Su Qin

45, Senior Researcher

“

I kept putting off financial planning because it always felt overwhelming and salesy. This was completely different. We went through my priorities step by step — I ranked what mattered most to me, and the plan was built around that. I didn't feel sold to. I felt heard.

✓ Retirement & protection plan built

Michelle T.

38, Marketing Director

Let's connect

Ready to bloom?

Whether you're looking for a financial review, wanting to learn more about joining our team, or just curious — reach out. We'd love to hear from you.

🌐 bloomtosuccess.org

WhatsApp us

✦

Message received

We'll be in touch within 24 hours.

First name

Last name

WhatsApp / Phone

I am interested in

Message (optional)

Financial Advisor

Core values

The principles that guide every conversation

🤝

Loyalty

By your side, always

🔐

Trust

Built over time, never assumed

💬

Communication

Open, honest, always clear

❤️

Relationship

People before products

🌿

Gratitude

Thankful for every journey shared

Vision · Mission · Belief

Vision

A one-stop connection that gives back to society

A one-stop service that bridges people, families and communities, connecting the business with purpose, introducing the brand across generations, and giving back what has been learned and achieved to those around.

Mission

Sincere strategies that protect what matters most

To always stay sincere and genuine, creating financial strategies that nurture family bonds, protect shared dreams, and build bridges between generations. Because true wealth is measured in love, security, and a legacy that lasts.

Belief

Success blooms at every stage of life

About this system

Built on 20 years of experience, people and purpose

Years of experience

50,000

Proposals crafted

Every

Question carefully designed

One

Goal: the best fit for you

This system was not built overnight. It was shaped over two decades of conversations, observations and a deep study of people. Understanding how they think about money, what they fear, what they dream of, and what truly matters to them.

Every question in this tool was carefully crafted. Every section designed with one goal in mind. To uncover the right answers, not just the easy ones. Because the best financial solution is never one-size-fits-all. It is built around the person sitting across the table.

Through thousands of proposals and client journeys, the patterns became clear. The gaps people overlook. The priorities they misplace. The dreams they have not yet put a number to. And the people they love, whose futures depend on the decisions made today.

This system brings it all together. A structured, proven process that helps understand each client's priorities, guides them toward protecting the people they love, and maps a clear path from the first question to the final recommendation.

"Because the right solution, for the right person, at the right time, changes everything."

Today's session

What we'll journey through together

A guided conversation covering what matters most to you today.

📋

Existing policies

🎯

Financial priorities

💵

Cash flow

📝

LPA

🧠

Financial goals

🗺️

Retirement & planning

📊

Investment portfolio

🤝

Witness program

At the end of our session, we will generate a personal report and analysis tailored just for you.

Before we begin

A safe space, just for you

🔒

Everything is confidential

What is shared stays between us. Always.

💬

No right or wrong answers

Honesty helps find the best path forward.

🌱

No pressure, no rush

This is a private session — nothing leaves this room without your permission.

Every journey begins with a reason

We all want the same thing —
a life that feels secure.

A comfortable home. Children taken care of. The freedom to one day stop working — and still live well.

100%

Positive returns at 10+ year horizon

7.2%

Average annual return over 1 year

157%

Highest 1-year return recorded

-51%

Lowest 1-year return recorded

Probability of Positive vs Negative Returns — STI

The longer you invest, the higher the probability of positive returns. At 10 years, STI has never delivered negative returns.

Highest & Lowest Annualised Returns — STI

Range narrows significantly over time — time reduces risk.

% Positive Returns by Investment Horizon

STI investors who held 10+ years achieved 100% positive outcomes.

All returns are total returns (with dividends reinvested) based on investment made at month end into the Straits Times Index, in SGD. Returns above 1 year are annualised. The index does not have trading costs, fees and charges, which proportionally reduce returns in a Unit Trust, Investment Linked Policy or Exchange Traded Fund structure. Source: Refinitiv

100%

Positive returns at 13+ year horizon

9.2%

Average annual return over 1 year

47%

Highest 1-year return recorded

-42%

Lowest 1-year return recorded

Probability of Positive vs Negative Returns — Global Equities (MSCI AC World)

Global equities start stronger (75% positive at 1 year) and reach 100% positive at 13 years.

Highest & Lowest Annualised Returns — Global

Even worst-case global returns become positive at 11+ years.

% Positive Returns by Investment Horizon

Global equities outperform STI in short-term probability of positive returns.

All returns are total returns (with dividends reinvested) based on investment made at month end into the MSCI AC All Countries World Index, in SGD. Returns above 1 year are annualised. Source: Refinitiv

Annual Returns by Asset Class (2000–2024) — "Investing is a Marathon, not a Sprint"

All returns in SGD · Green = positive · Red = negative · Darker = stronger performance

Year	Global Equities	Emerging Markets	Asia ex Japan	Singapore	Indian Equities	Chinese Equities	Global IG Bonds	EM USD Bonds

All returns are total returns (with dividends reinvested) based on investment made at month end into the respective indices, in SGD. Past performance is not an indicator of future returns. Source: Refinitiv

Key Takeaways

✦

Time eliminates risk. STI at 10 years: 100% positive. Global at 13 years: 100% positive. The longer the horizon, the more certain the outcome.

✦

Global outperforms STI short-term. At 1 year, global equities show 75% positive vs 63% for STI. Higher starting probability, higher avg return.

✦

Investing is a marathon, not a sprint. Short-term volatility (1yr: -51% to +157% for STI) becomes a narrow band at 10+ years. Regular investing during downturns accelerates recovery.

✦

Topping up during downturns helps. Dollar-cost averaging during market drops reduces the impact of weak short-term returns on long-term outcomes.

Why start early

Same goal. Very different cost.

Set a target. See how much less you pay each month by starting now instead of waiting.

Target amount (SGD)

Assumed annual return (%)

⏰

The cost of waiting

Click Calculate to see the insight.

Monthly investment required

The longer the term, the smaller the monthly commitment.

What you invest vs what the market adds

Longer terms invest less cash — the market does more of the work.

For illustration only and does not constitute financial advice. Returns are hypothetical based on the assumed annual return. Actual returns will vary.

⚙️ Settings

Select fund

Investment amount (SGD)

Start year

📄 Upload a different fund fact sheet

Click or drag a PDF or image — AI extracts the returns automatically.

PruLink Global Equity · 2015–2025

Sector allocation

Industrials

22.1%

Financials

20.3%

Consumer Staples

14.8%

Health Care

10.2%

Information Technology

9.8%

Utilities

6.1%

Cash & Others

5.2%

Consumer Discretionary

4.8%

Materials

3.9%

Real Estate

2.1%

Communication Services

0.7%

Top 10 holdings

Taiwan Semiconductor Mfg

4.3%

Unilever PLC

3.9%

Roche Holding AG

3.8%

Novartis AG

3.7%

Vinci SA

3.7%

National Grid PLC

3.6%

Deutsche Boerse AG

3.1%

Samsung Electronics

3.0%

Munich Re Group

2.9%

Legrand SA

2.9%

Summary

Invested

S$10,000

Value (10yrs)

S$17,981

Total P&L

S$7,981

Return

+79.8%

CAGR

+6.04%

Avg return

+6.6%

Winning yrs

7/10

Value over time

Market valueInvested

Annual returns (%)

GainLoss

PruLink Global Equity

Year	Return	Value	P&L	P&L%
2015	-6.9%	S$9,311	-S$689	-6.9%
2016	+7.7%	S$10,030	S$30	+0.3%
2017	+10.0%	S$11,028	S$1,028	+10.3%
2018	-2.8%	S$10,720	S$720	+7.2%
2019	+22.1%	S$13,095	S$3,095	+30.9%
2020	+6.3%	S$13,920	S$3,920	+39.2%
2021	+13.5%	S$15,799	S$5,799	+58.0%
2022	-12.5%	S$13,824	S$3,824	+38.2%
2023	+13.5%	S$15,690	S$5,690	+56.9%
2024	+14.6%	S$17,981	S$7,981	+79.8%
Total	+6.6%	S$17,981	S$7,981	+79.8%

Disclaimer: For internal reference only. Past performance does not guarantee future results. Not financial advice.

⚙️ Settings

Select fund

Amount per year (SGD)

Start from year

View up to year

How this works: A fixed amount invested at end of each year. Each tranche grows independently using actual fund returns from that year forward.

📄 Upload a different fund fact sheet

Click or drag a PDF or image — AI extracts the returns automatically.

PruLink Global Equity · 2015–2025

Sector allocation

Industrials

22.1%

Financials

20.3%

Consumer Staples

14.8%

Health Care

10.2%

Information Technology

9.8%

Utilities

6.1%

Cash & Others

5.2%

Consumer Discretionary

4.8%

Materials

3.9%

Real Estate

2.1%

Communication Services

0.7%

Top 10 holdings

Taiwan Semiconductor Mfg

4.3%

Unilever PLC

3.9%

Roche Holding AG

3.8%

Novartis AG

3.7%

Vinci SA

3.7%

National Grid PLC

3.6%

Deutsche Boerse AG

3.1%

Samsung Electronics

3.0%

Munich Re Group

2.9%

Legrand SA

2.9%

Summary

Total invested

S$110,000

Portfolio value

S$175,267

Total P&L

S$65,267

Return

+59.3%

Avg return

+6.8%

Years

Winning yrs

8/11

Portfolio vs invested

Market valueInvested

Annual returns (%)

GainLoss

PruLink Global Equity

Year	Return	Invested	Value	P&L	P&L%
2015	-6.9%	S$10,000	S$9,311	-S$689	-6.9%
2016	+7.7%	S$20,000	S$20,802	S$802	+4.0%
2017	+10.0%	S$30,000	S$33,867	S$3,867	+12.9%
2018	-2.8%	S$40,000	S$42,643	S$2,643	+6.6%
2019	+22.1%	S$50,000	S$64,303	S$14,303	+28.6%
2020	+6.3%	S$60,000	S$78,984	S$18,984	+31.6%
2021	+13.5%	S$70,000	S$100,997	S$30,997	+44.3%
2022	-12.5%	S$80,000	S$97,122	S$17,122	+21.4%
2023	+13.5%	S$90,000	S$121,584	S$31,584	+35.1%
2024	+14.6%	S$100,000	S$150,795	S$50,795	+50.8%
2025	+9.0%	S$110,000	S$175,267	S$65,267	+59.3%
Total	+6.8%	S$110,000	S$175,267	S$65,267	+59.3%

Disclaimer: For internal reference only. Past performance does not guarantee future results. Not financial advice.

🎯 Financial view

Rate every item 0–10 based on how important it is right now.

0 / 17

Protection

Replace my income if I'm too ill to workLump sum payout to replace lost earnings — illness or cancerIncome replacement when illness (5×–7×)

—

010

Not importantVery important

Replace my income if I'm permanently disabledOngoing income if you can never return to workIncome replacement when permanent disability (5×–10×)

—

010

Not importantVery important

Protect my family financially if I'm goneLife cover so loved ones are taken care ofProtecting my family if I die prematurely (5×–10×)

—

010

Not importantVery important

Clear my mortgage if something happens to meOutstanding loan covered so family keeps the homeMortgage loan coverage

—

010

Not importantVery important

Cover my hospital and medical billsTransfer the cost of hospitalisation to the insurerRisk transfer of bills

—

010

Not importantVery important

Savings & investments

Grow my money through regular investingPutting money to work consistentlyMake my money work harder

—

010

Not importantVery important

Build an emergency fund3–6 months of expenses as a safety netAn emergency fund 3–6 months income

—

010

Not importantVery important

Save for a goal in the next 1–9 yearse.g. holiday, car, wedding, house depositSaving short term, raising capital (1–9 years)

—

010

Not importantVery important

Family & lifestyle

Give my children the best possible startEducation fund, insurance, financial foundationPlanning for children and family

—

010

Not importantVery important

Support my parents as they ageHealthcare costs, income support, caregiving burden — and whether they have an LPA in placeParent support and eldercare planning

—

010

Not importantVery important

Build a stream of passive incomeDividends or payouts without active workReceiving passive income, dividend

—

010

Not importantVery important

Retirement

Plan for the retirement I wantHow much, by when — starting nowStart retirement planning

—

010

Not importantVery important

Wealth growth

Invest towards a specific financial goalGoal-based investing with a target amount and timelineWilling to do investment to reach financial goals

—

010

Not importantVery important

Put a lump sum or leverage to workUse existing capital to accelerate growthUsing lump sum/leverage to grow higher interest

—

010

Not importantVery important

Start or fund a businessCapital planning for entrepreneurshipStarting a business

—

010

Not importantVery important

Invest in propertyResidential or commercial — yield or appreciationProperty investment

—

010

Not importantVery important

Legacy & estate

Protect and pass on what I've builtWill writing, LPA, estate planningWill writing and Lasting Power of Attorney

—

010

Not importantVery important

Your priority picture

Complete all ratings to reveal your results.

Rate all items above to unlock your chart.

Top 5 — let's focus here

Your highest-scored priorities.

Complete all ratings to see your top 5.

Select all and copy to bring into your slides or notes.

💵 Monthly cash flow

Map out income, expenses, assets and liabilities to see real monthly savings and key ratios.

Cash flow for — (set name in the top bar)

Income (after CPF)

Bonus / AWS / Incentives

Annual total$0 ÷12 =$0/mo

Expenses

Discretionary · Allowance / Family

PersonAge$/month

Total Allowance$0

Bank

Total Bank$0

Investment

Total Investment$0

CPF

Property

Liability Loans

Total Income

Total Expenses

Total Assets

Total Liabilities

Savings per month

📊 Key ratios

How this cash flow stacks up against common financial health benchmarks.

Savings ratio

—

Savings ÷ Income

Debt-to-income ratio

—

Liabilities ÷ Income

Net worth

Assets − Liabilities

Expense breakdown — % of income

🗺 Your Life Milestones

Select the 3 milestones that matter most to you right now. Your advisor will use these to guide today's conversation.

For: —

Select 3 more milestone(s) to continue

Top 2 priorities — focus here

1st priority What if I cannot work to 60?

2nd priority What if I don't reach 60?

What if I cannot work to 60?⠿›

What if I don't reach 60?⠿›

How much is needed to retire?⠿›

Can I give my children the right start?⠿›

Select all and copy to bring into your slides.

📝 LPA questionnaire

A Lasting Power of Attorney only works if the donee actually knows what to do. This walks through what you'd need — and checks whether protection coverage can fund it.

⚠ What happens without an LPA

If a person loses mental capacity without an LPA in place, family members cannot simply step in — even a spouse cannot access bank accounts, manage property, or make medical decisions on their behalf without legal authority. The family must instead apply to the Family Justice Courts for a Deputyship Order under the Mental Capacity Act. This is the costly, slow, and stressful alternative an LPA is designed to avoid.

Time

4–6 weeks (simplified) or 6–12 months (standard)

Court filing fee

S$40 (simplified) or S$300–500 (standard)

Lawyer's fees (if engaged)

S$5,000–15,000 (varies by complexity, contested status, ongoing OPG reporting)

Worked example: Mrs Tan's husband suffers a stroke with no LPA in place. Their daughter applies for Deputyship — even on the simplified track, engaging a lawyer typically costs S$5,000–15,000 in professional fees (the range reflects case complexity, contested situations, and ongoing annual reporting obligations to the Office of the Public Guardian), plus a medical report (~S$200–400) and court filing fee. If the case is contested — as here, by an estranged sibling — it moves to the standard track, taking 6–12 months. Throughout this period the family cannot access Mr Tan's bank accounts to pay for his hospital bills or caregiving costs — they have to cover this out of pocket while waiting for the court order.

Compare to an LPA, made while still mentally capable: LPA Form 1 application fee is free for Singapore Citizens (waived till 31 Mar 2026; normally S$75), plus a Certificate Issuer fee of roughly S$30–150 (doctor) or S$150–400 (lawyer, for more complex LPA Form 2). Processing takes about 8 working days + a 3-week mandatory wait. Once registered, the donee can act immediately the moment incapacity is medically certified — no court process, no lawyer required for the standard Form 1.

For client

—

Set name in the top bar

Personal Welfare

Example: "My husband and I have been married 18 years — he knows I'm vegetarian and that I'd want a simple Buddhist funeral, not an elaborate one. He knows I'd rather be cared for at home for as long as possible before considering a nursing home."

Family Doctor

Example: "Dad has high blood pressure and is allergic to penicillin. He's told us he'd prefer NTUC Health's nursing home in Bukit Batok if it ever comes to that, and he has a Hospital + Surgical plan with S$15K/yr coverage — we're not sure if that's enough to cover years of nursing home fees, which can run S$2,500–4,500/month in Singapore."

Property and Affairs

Example: "Mum has the HDB flat, an investment condo she rents out, S$80K in fixed deposits, and her CPF. She's told me she'd want the rental condo sold if she ever needs long-term care funding, but to keep the HDB flat in the family for as long as possible."

🛡 Protection adequacy check

Pulled from Policy Review — does coverage actually fund the care plan above?

Select all and copy to bring into your slides or notes.

⬆ Import

No saved clients yet. Save a client from any tool above.

Most claims are delayed — or never paid — because no one knew who to call.

When something happens, the family is in shock. They don't know the policy details, the insurer's number, or what steps to take. Without a witness, claims can take months or fall through entirely.

Delayed claims

68%

Avg delay

3–6 mths

Struggle to find docs

1 in 4

What can go wrong

RiskFamily doesn't know who to contact

Your client's family may not know your name or that a policy exists — and miss the claims window entirely.

RiskClaim rejected due to late notification

Without someone who knows to call, a legitimate claim can be denied on procedural grounds.

SolutionThe witness program solves all of this

Three trusted people — nominated today — will know exactly what to do. 10 minutes now protects years of planning.

The Chen family — same policy, two outcomes

A realistic comparison of what happens with and without a witness program.

Without witness program

January

Mr Chen suffers a stroke. Sarah doesn't know the policy or advisor details.

March — 2 months later

Sarah finds old documents. Advisor had moved. Old number disconnected.

June — 5 months later

One policy was missed, family loses S$80,000 in coverage.

With witness program

January

Same stroke. Within hours, Witness 1 (brother) calls the advisor directly.

Same week

Advisor contacts Prudential. All documents handled. Family focuses on recovery.

Week 3

S$200,000 critical illness payout approved. Full coverage preserved.

Without program

5 months delay
S$80,000 lost
Family drained savings
Emotional burden on Sarah

With program

Claim filed in days
Full S$200,000 received
Zero financial disruption
Family focused on recovery

The difference was 10 minutes — the time it takes to complete the witness program today. That 10 minutes is worth S$200,000 and 5 months of your family's peace of mind.

Nominate 3 trusted people who will notify your advisor if something happens to you. This ensures claims are processed promptly and your loved ones are protected.

8 benefits of the witness program

✓ Activated in event of mishap · ✓ Speeds up claim process · ✓ Emotional security for loved ones · ✓ Hassle-free — handled by adviser · ✓ No worry about claiming estate · ✓ Loved ones know who to contact · ✓ Focus on recuperating health · ✓ Someone is always there for you

Year	Blended return	Value	P&L
Add funds above to see breakdown

Target amount (S$)

Years to goal

Fund return (% p.a.)

Bank savings (% p.a.)

Target

S$100,000

Monthly (bank 1.0%)

S$793/mo

Monthly (fund)

S$547/mo

Monthly savings

S$246

Save S$246/month by investing vs bank — that's S$2,953/year back in your pocket.

Wealth growth comparison

PRULinkBank 1%Target

Monthly commitment

Estimates based on consistent monthly investment. Actual returns may vary. Not financial advice.

Child's current age

University start age

Fund return (% p.a.)

Bank savings (% p.a.)

School fee inflation (% p.a.)

Select education type

SG Local Uni

NUS/NTU/SMU ~S$35K today

SG Private

SIM/Kaplan ~S$60K today

Australia/NZ

Tuition + living ~S$180K today

UK/Europe

Tuition + living ~S$250K today

US/Canada

Tuition + living ~S$350K today

Education savings projection

PRULinkBank 1%Inflation-adjusted goal

School fee estimates based on 2024 data. Inflation-adjusted projections are estimates only.

Current age

Retirement age

Monthly income needed (S$)

Investment drawdown/mo (S$)

Rental income/mo (S$)

Other income/mo (S$)

CPF — choose her retirement sum & CPF LIFE payout

OA balance (S$)

SA balance (S$)

Monthly salary (S$)

Citizenship

Which retirement sum will she set aside?

CPF LIFE monthly payout at 65 (FRS)S$—

⚠️

Payouts are 2025 estimates for discussion — not the client's actual figure. Real payouts depend on the exact balance at 65 and the CPF LIFE plan chosen. For the official figure, use the official CPF LIFE Payout Estimator (Singpass login at cpf.gov.sg).

Monthly income at retirement (future dollars)

Current retirement savings (S$)

Investments + cash earmarked for retirement

Return on existing savings (% p.a.)

How fast her current nest egg grows until retirement

Live until age (assumption)

SG life expectancy ~84–87

Inflation rate (% p.a.)

Default 3.5%

Return on new investing (% p.a.)

Return on the new monthly investing she'd start to close the gap

If saving on own — benchmark rate (% p.a.)

e.g. bank 0.5%, high-yield 2.5%, fixed deposit 3% — set what's realistic for this client

Monthly retirement income breakdown

CPF LIFEPRULink investmentGap (uncovered)

CPF LIFE payout is an estimate using official CPF interest rates. Actual payout depends on CPF LIFE plan and balance at 55. Not financial advice.

Why are you here today?

💰 One-time investment

⚙️ Settings

📄 Upload a different fund fact sheet

Sector allocation

Top 10 holdings

📅 Annual investment

⚙️ Settings

📄 Upload a different fund fact sheet

Sector allocation

Top 10 holdings

🧠 4 Financial Goals

📋 My clients

RiskFamily doesn't know who to contact

RiskClaim rejected due to late notification

SolutionThe witness program solves all of this

📊 Portfolio builder

🗺️ Financial planning

SG Local Uni

SG Private

Australia/NZ

UK/Europe

US/Canada

CPF — choose her retirement sum & CPF LIFE payout

📋 Policy review